Rafael Andino is a licensed Mortgage Loan Officer (NMLS #1895655) with Equity Smart Home Loans (NMLS #856170), dedicated to helping clients across Florida buy or refinance their homes with personalized mortgage solutions. Specializing in FHA, VA, and Conventional loans, Rafael provides fast pre-approvals and clear guidance for first-time buyers, military families, and investors.

Fluent in English and Spanish, Rafael makes the mortgage process simple and transparent, serving Miami, Fort Lauderdale, Tampa, and St. Petersburg. His client-first approach ensures every homeowner receives trusted service and competitive financing options.