Vetted.
Options are evaluated across a broad wholesale lender network so the strategy can fit the borrower and the property.
Lima Charlie means Loud and Clear.
Mortgage lending,
Loud and Clear.
More lending options. Straight answers. A mortgage plan built around what you are actually trying to do.
Serving homebuyers, Veterans, Realtors and builders across 11 states.
The Lima Charlie standard
Clear advice matters more than a quick sales pitch.
A mortgage is too important for vague answers. Rafael explains what works, what does not and what needs to happen next in normal language.
Meet Rafael
Marine Veteran · Senior Loan OriginatorMeet Rafael
The person you call is the person working your loan.
Rafael Martinez is a Marine Corps Veteran, husband, father and mortgage professional who believes borrowers deserve the truth, even when the answer is not the easy one.
He works extensively with VA financing, construction, transactions involving land and a home, manufactured housing and the kinds of files that need more than a quick calculator.
VET
Earned.
Trust is earned through communication, preparation, transparency and doing what we say we are going to do.
Trusted.
The goal is to be the person clients, Veterans, agents, builders and families call when the answer is not obvious.
Loan expertise
More than the easy files.
From a first home to land and construction, the right loan starts with understanding the complete transaction.
VA Loans
Clear guidance from a Marine Veteran who works extensively with VA financing, entitlement questions, appraisals and complex files.
ExploreVA One-Time Close
Finance eligible land, construction and permanent financing through a single VA loan and one closing, subject to program requirements.
ExploreFirst-Time Buyers
A real plan for payment, cash to close and the decisions ahead. You do not need to speak mortgage.
ExploreConstruction & Manufactured
Experience with new builds, transactions involving land and a home, and manufactured housing when the property and program fit.
ExploreConventional, FHA & USDA
Compare practical paths across a broad wholesale lender network instead of forcing every borrower into one box.
ExploreComplicated Scenarios
Self-employment, property quirks, credit events or unusual income? We identify the real issue and work it early.
ExploreFlagship expertise
Build with your VA benefit.
VA construction is not a standard purchase with a few extra forms. Land, plans, builder approval, appraisal, construction budget and draws all have to work together.
Explore VA One-Time CloseOne loan. One closing.
Land may be included when eligible.
Options with a low down payment may be available, subject to eligibility and program requirements.
Guidance for the borrower, builder and transaction team.
What working with us looks like
A plan before a preapproval.
Every step has a purpose, and you should know what is happening before the next one begins.
Discovery Call
We talk first. Before recommending a loan, Rafael wants to understand what you are trying to accomplish.
Application + Analysis
We review income, assets, credit, debts and goals. We do more than repeat the number a calculator spits out. A soft credit inquiry may be available for the initial review.
Strategy Meeting
By Zoom or phone, we walk through payment, cash to close, loan options, rate considerations and potential problems.
Connect With Your Agent
We coordinate with your Realtor, or help you find a real estate professional who fits the transaction.
Find the Home
While you shop, we stay involved and run real scenarios before you write an offer.
Underwriting & Closing
Once under contract, we manage the financing, keep the parties informed and work toward a smooth closing.
11
states where Rafael is currently licensed
Direct
communication with the actual Loan Originator
DFW
home base, with mortgage options across the Southeast and Midwest
Google reviews
What Our Clients Are Saying
Real experiences from homebuyers and families we’ve had the opportunity to help.
Individual experiences may vary. Reviews do not guarantee a particular loan approval, rate, closing timeline or outcome.
Where we lendBased in DFW.
Based in DFW.
Licensed across 11 states.
Rafael serves buyers throughout Alabama, Arkansas, Florida, Georgia, Louisiana, Missouri, North Carolina, New Mexico, Ohio, Tennessee and Texas.
View all service areasYour next moveYou do not need every answer.
You do not need every answer.
You need a clear place to start.
Tell Rafael what you are trying to accomplish. He will help you understand the financing path, the tradeoffs and the next step.