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About Rafael Unzueta

Vertical Lending is a mortgage brokerage in the heart of beautiful central Florida. As a Senior Mortgage Officer with Vertical Lending, I have access to over twenty two wholesale mortgage lenders several of which are among the largest in the country. Being a mortgage broker and working with these national lenders, gives me many advantages over a bank's mortgage loan programs. As a matter of fact, I have been able to find home financing for many clients that were previously turned down by their bank. Shopping for a mortgage can be a little scary and confusing. My promise to my clients is to do everything in my power to make the loan process simple and easy to understand. I also pride my self on being available to my clients at their convenience. The communication lines are open to me far beyond the operating hours of most banks. Finally, I strive to conduct my business with complete transparency with my clients and realtor partners. It would be a pleasure to help you, my realtor partners and clients, find the best mortgage products available.See MoreRead Less

Featured Reviews About Rafael Unzueta

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Reviews about Rafael Unzueta

Your Friend
5

There are several essential traits I consider for success in the workplace: habits of daily transaction and performance like professionalism, time and resource management, quality production, communication, and interpersonal skills. Rafael Unzueta excels in each of these areas.

His intellect, creativity, and strong work ethic are evident in the attention to detail he commits to all his endeavors. But certainly one of Rafael’s finest qualities is his outstanding leadership. Rafael is a pleasure to work with; he keeps every member of his staff focused and enthusiastic. More than simple personality, Rafael has a natural positive attitude and team-building charisma that brings out the best in all those around him.

I sincerely believe Rafael Unzueta would be a benefit to your business, and would be a welcome addition to your team. I’m confident that he will always be an asset, in whatever position he undertakes. I hope you will give him your most favorable consideration.
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Rafael's Reply

 

Your Friend
5

There are several essential traits I consider for success in the workplace: habits of daily transaction and performance like professionalism, time and resource management, quality production, communication, and interpersonal skills. Rafael Unzueta excels in each of these areas.

His intellect, creativity, and strong work ethic are evident in the attention to detail he commits to all his endeavors. But certainly one of Rafael’s finest qualities is his outstanding leadership. Rafael is a pleasure to work with; he keeps every member of his staff focused and enthusiastic. More than simple personality, Rafael has a natural positive attitude and team-building charisma that brings out the best in all those around him.

I sincerely believe Rafael Unzueta would be a benefit to your business, and would be a welcome addition to your team. I’m confident that he will always be an asset, in whatever position he undertakes. I hope you will give him your most favorable consideration.
See MoreRead Less"

Rafael's Reply

 

Your Friend
5

Rafael and I have been friends for years so when it came time to refinance, he was my first stop for help. It had been 15 years since my last refi and what a difference 15 years makes! You still end up signing what seems like 20 million pages at closing, but almost everything up to that point was handled online. This was a big deal since I live in Orlando and Rafael is in Lake Wales! /> Rafael made us the deal. All we had to do was sign the approvals and get schedule the appraisal. Rafael handled the rest includung when the lenders were questioning history because my mortgage was sold to another lender in the middle of the process....I had to do nothing. (BTW Rafael: Its already been sold again.)
Unfortunately, this is the kind of business you only do once in a great while. If I had more lending service needed, Rafael would be my first call.See MoreRead Less"

Rafael's Reply

Sometimes a 15 year mortgage is a better option for a family than a 30 year mortgage. In this case, I was thrilled to offer Jim and his wife, Molly, a 15 year mortgage for their re-finance that lowered their monthly payment and offered them a killer interest rate of 2.75%.

Your Friend
5

Rafael is a lifelong friend, he was one of the first friends I made when moving to Lake Wales over 40 years ago. My husband and I were in the market for a new home and the home we were bidding on was a short sale in need of repairs. Rafael was very knowledgeable about the process of buying a short sale home. He also helped us obtain a FHA 203k loan to include the home repairs. Rafael always kept us in the loop every step of the way! The entire process was seamless and expeditious. I would not hesitate to recommend Rafael to anyone in the market for a new home loan.See MoreRead Less"

Rafael's Reply

It's always rewarding helping someone realize their dream of owning a home, but it's even more rewarding when that person is a friend of almost 40 years! Susan and her husband ran into a hurdle because their original lender did not offer a mortgage program that would allow them to borrow additional money to make needed home repairs and upgrades to the house they wanted to purchase. I was happy to offer them a mortgage program that met all their needs and allowed for borrowing the extra money they needed.See MoreRead Less

Your Friend
5

I have known Rafael for a very long time. Moving to Lake Wales at the age of 17 and not knowing anyone in town. I was introduced to his family and treated like a brother from our introduction. I watched him grow up through the years and his honesty and integrity has always been above and beyond what would even be expected from an individual. How him and his siblings were raised by his parents attributes to his willingness to service others. He is an individual that will extensively research the material needed to find the best services for his customers.See MoreRead Less"

Rafael's Reply

 

Your Friend
5

Rafael has been a personal and professional friend for several years. He is a pleasure to work with and always comes through with a solution for every bump in the road. The loan process can seem daunting and intimidating, but Rafael makes this process smooth, informative and successful. Rafael has helped many of my clients qualify for mortgages and refinances. He is always willing to go above and beyond to get you everything you need. I used him when I bought my own house! He is my go to mortgage broker!See MoreRead Less"

Rafael's Reply

Emily is a trusted Realtor-partner. It's very important to me to foster good relationships with top Realtors in the areas that I service. Emily is such a pleasure to work with and I greatly value the referrals that she sends my way!

Your Friend
5

Rafael has been the best mortgage broker that I have work with. He certainly knows all the financial laws and how to use them to found the best interest rates for any special financial circumstance. No matter what financial situation you might have , Rafael will be able to push it thru to get you the best possible mortgage conditions. I just came out from a personal bankruptcy situation and he is finding me a very low interest mortgage opportunity.See MoreRead Less"

Rafael's Reply

Many of us have some bumps in our credit history, it's nothing to be embarrassed about. Life just happens and along the way, we sometimes get into financial struggles. I'm happy to say that Vertical Lending can offer hope to many that have been turned down by a bank for a mortgage. Along with some of the country's largest wholesale lenders, I also have private money lenders that will be more forgiving of bankruptcies, short sales or foreclosures. I was thrilled to help Mr. Ortiz purchase the home he wanted in spite of his financial hurdle.See MoreRead Less

Your Friend
5

I have know Raphael for almost 20 years and we worked together as I was in the mortgage business for 6 years. He is a very dedicated loan officer and strives to make every client as happy as possible by going above and beyond, while maintaining his ethical stance. His background and training makes him one of the best in the area and his personality and humble attitude makes him a perfect fit for any potential client.See MoreRead Less"

Rafael's Reply

 

Your Friend
5

I have known Rafael for many years. He recently sent a client referral and we found the perfect home for them. Rafael is very professional, extremely knowledgeable regarding the lending process and answers all questions and concerns in a timely manner. I highly recommend Rafael to my clients who are in need of financing for their next home.
Lisa Bergquist, Realtor
Keller Williams Realty of Winter Haven
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Rafael's Reply

 

Your Friend
5

I went to high school with Rafael and always thought very highly of him so when my realtor gave me his name (along with a few others) to contact for pre-approval of a mortgage, I did not hesitate in choosing to call him. As a first time home buyer, Rafael explained every step to me in detail and made it a positive experience for me. I would recommend him to any one of my friends looking for a home. See MoreRead Less"

Rafael's Reply

 

Your Friend
5

It is always a pleasure working with Rafael! He is great with communication throughout the loan process. As a Realtor, it is important to be able to get solid client pre-qualifications, and he is always available to talk with clients and meet our time frames! I would highly recommend Rafael for your mortgage needs!
Dolores Vogel, Lic Real Estate Broker
Legacy Real Estate Center, Inc."

Rafael's Reply

 

Your Friend
5

I worked alongside Rafael for a Fortune 500 company for 4 years. He is one of the most consistent, hardest working, trustworthy person I worked with. Rafael maintains his work in the community and at church and always takes care of his kids. Rafael is loyal and committed. I would greatly recommend Rafael as my loan officer and in any business sense.

-Jon Knipfing
Allstate InsuranceSee MoreRead Less"

Rafael's Reply

 

Your Friend
5

I knew Rafael through contact at church, and through the course of various conversations I got to know his profession. I decided to see if getting a lower interest rate would be possible and contacted Rafael for his help and advise.
Rafael was awesome at his job. He stayed on top of things and did everything he said he would, promptly. He was always courteous and professional."

Rafael's Reply

 

Your Friend
5

I have known Rafael since kindergarten. I know him to be hard working and of strong character. Lending is a relationship business. If you want a relationship with a lender with strong skills, whom puts the customer first, then I would recommend Rafael. He will guide you through the entire process with skill, integrity and care. That's just who he is and how he does business."

Rafael's Reply

 

Your Friend
5

Rafael was a blessing when it came to refinance my house. There were a few hiccups in the mortgage process, all on the lender side. I felt that Rafael was on my side the whole time, working hard to get me the best deal and rates possible. Without Rafael's hard work ethic and expertise, I would have ended up with a much higher rate. I would recommend Rafael to everyone! "

Rafael's Reply

 

Your Friend
5

Mr Unzueta answered all my questions and concerns, He picked up the ball and ran with it when several other lenders wouldn t get into the game. They went the extra mile to work with us. The obsticles placed before us were great, Never once did he quit or loose his positive attitude. Professional all the way. I would recommend and do Business with him again."

Rafael's Reply

 

Your Friend
5

Rafael is so great to work with! He returns calls, follows up with leads, keeps you informed and a delight to work with. He is very in tune with prospects and helps them to fulfill their dreams. The main thing Rafael does that is above some others, is the fact that he really cares about his client."

Rafael's Reply

 

Your Friend
4

I have known Rafael for the better part of a decade. So when interest rates fell and my home benefited from a refi, I contacted him first. Rafael was able to find us a loan that meet our requirements and we closed in a timely fashion. It was a very low stress process from beginning to end."

Rafael's Reply

 

Your Friend
4

Rafael and I were managers together at Marriott International and he is an all around great guy. He is polite, intelligent, reliable, and really cares. He cares about the people he works with and the job he is doing. It was a sad day to say goodbye to such a great colleague."

Rafael's Reply

 

Your Friend
5

Rafael helped me acquire my financing for a recent home purchase. He did an amazing job, he found a me a solid rate, then when a lower one popped up he quickly worked things out so I could get it. I highly recommend him for a more pleasant experience. "

Rafael's Reply

 

Your Friend
5

We know Raphael as a person who is dedicated to dealing honestly, enthusiastically and efficiently with not only his clients but everyone he has contact with. We would recommend him to anyone looking for honesty, integrity and dedicated service."

Rafael's Reply

 

Your Friend
5

Rafael is awesome! It's very important to work with someone who is responsive to phone calls and emails and Rafael does just that. He is a top notch person to work with. My clients and I have been very satisfied with his service."

Rafael's Reply

 

Your Friend
5

Rafael is extremely eager to help his clients and is extremely patient in dealling with wrenches thrown in the road. I had nothing but positive interactions with him and he was a HUGE help in my first time home buying process."

Rafael's Reply

 

Your Friend
5

Rafael is a very professional and knowledgeable Mortgage Advisor. He is always prompt in getting necessary information to me and returning my calls. He has a great personality and reputation. I really enjoy working with him. "

Rafael's Reply

 

Your Friend
5

Rafael has a wide variety of loan products to offer to clients. I know I can count on him with some of my tough loans, too. He is professional in every aspect and great in a one-on-one setting with clients as well."

Rafael's Reply

 

Your Friend
5

Rafael is very committed to strong customer service as well as always having the customers best interest in mind! Do yourself a favor and look him up when your in need of the type if services he provides !"

Rafael's Reply

 

Your Friend
5

I am a licensed real estate agent in Central Florida. I have found Rafael Unzueta to be not only professional but very personable as well. Honesty is a must in his field and his integrity is tops."

Rafael's Reply

 

Your Friend
5

I’ve worked with Rafael in the past as a mortgage broker. He’s very personable and cares about his clients and their needs. I would not hesitate to recommend Rafael and his services to anyone. "

Rafael's Reply

 

Your Friend
5

I would highly recommend Rafael for all your lending needs. Such a pleasure to work with & a team player. He made my job so much easier & communication is the best. Two thumbs up!"

Rafael's Reply

 

Your Friend
4

Rafael went above and beyond for us. He gave us some great advise and I don't think anyone could have beat the rate he was able to offer. I would recommend him over and over."

Rafael's Reply

 

Your Friend
5

Great response times and perfect customer service. Rafael is very knowledgeable in the Mortgage industry and very capable of resolving any issues that may arise"

Rafael's Reply

 

Your Friend
5

Awesome person. Rafael works for you and does whatever it takes to make you satisfied with your deal."

Rafael's Reply

 

Your Friend
5

Very personable and knowledgeable. I look forward to working further with Rafael in the future."

Rafael's Reply

 

Your Friend
5

Rafael has great follow up and stays on task! Wonderful to work with! Top Notch!"

Rafael's Reply

 

Your Friend
5

If you are looking for someone to got the extra mile then he is your go to guy!"

Rafael's Reply

 

Your Friend
5

RafAel is dependable, talent and delivers results beyond expectations."

Rafael's Reply

 

Your Friend
5

I have know Rafael for over 30 years, great guy, true professional."

Rafael's Reply

 

Your Friend

Easiest mortgage ever, very professional."

Rafael's Reply

 

Your Friend
5

Great products and service!!"

Rafael's Reply

 

Your Friend
5
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