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About us

Dedicated to Service

Rate Leaf is a family-owned company offering a simple, secure way of buying homes.

Our team wakes up every day excited to go to work—because there's no rush quite like helping someone buy their first home!

Whether you're a first-time buyer, a homeowner looking to refinance, or simply looking for an investment property, you'll find that Rate Leaf is dedicated to providing you with quality service, meticulous loan processing, and resources to help you climb even higher on the generational wealth ladder.
Values

Our values help us set the bar high.

Our values define us.
They guide us in building and improving our service, hiring team members, and serving our customers.
Customers First
For some, this is the most important purchase of their lives. For others, it might be another investment. No matter the circumstance, we aim to provide our customers with five-star service to help them get their mortgage promptly and understand the process better. We want our clients to learn about the industry and walk away with proficient knowledge. Buying real estate is the first step toward financial success and freedom, the stepping stone toward generational wealth. We are here to provide you with the tools to build your empire.
Dedication
At Rate Leaf, we worry about your home loan as if it were our escrow deposit on the line. We know that timing is important to loan funding. It's why we get up in the morning, and the reason we burn the midnight oil—because your home is our priority.
Security Speaks
Keeping your data and documents secure is our top priority. We use AES 256-bit “military-grade” security encryption. This standard is to comply with the Federal Information Processing Standards (FIPS) that govern the handling of sensitive data. We value your information as much as you do!
Trustworthy
Our licensed mortgage brokers are trained to meet the highest quality standards on paper. But what makes them trustworthy is how they go above and beyond to protect your escrow deposit and the way they'll cheer you on until you reach closing. We'll be with you every step of the way until funding.
Transparent
The most important part of the home buying process is communication and coordination. That's why Rate Leaf communicates with clients constantly, to make sure we're keeping you in the loop so that you don't have to make the effort of reaching out to find out the status of your loan.
Team
At Rate Leaf, we strive for success: which means yours and implies ours. We know that timing is essential to loan funding. Our team dedicates itself to delivering timely service and clear communication. We pride ourselves on providing reliable and unconditional support throughout the complete loan process. Our committed team members are only a call away should you have any questions or concerns, no matter the stage. Remember, this is a family business where we want our clients to feel at Home!
Unparalleled Service
At our core, Rate Leaf holds itself true to the idea of community. Unlike big banks, we serve you. We're here to answer every single question and ease every doubt. Our team is patient, but persistent, and we'll follow through on every document submission, low rate lock-in, and more.
Members

Our Team

Christian Mourra
Christian Mourra, CEO
Christian is Rate Leaf's CEO. Ever ambitious, Christian is devoted to serving his clients, so that they can have a pleasant home buying experience that protects their escrow deposit while shopping. He created Rate Leaf with the intention of bridging the divide between lenders and realtors, so that clients can enjoy a fuller, faster, home buying experience.
Stan Thiesfeld
Stan Thiesfeld, Ops Manager
Stan is Rate Leaf's operations manager. He oversees the processing team, and is the one the team turns to when a loan is in a tough spot. A true Kendall man, Stan is a renowned foodie and has a cool under fire persona. He personally trains each processor, making sure that they're ready to adhere to Rate Leaf's principles and guidelines.
Valerie Mourra
Valerie Mourra, VP of Closing
Valerie is in charge of coordinating all of our loan closings. She loves being a part of such a positive milestone in our client's lives, and is the best person on the team to deliver the good news. Expressive and reassuring, Valerie celebrates each closing as if it's her home she's closing for, and coordinates with title and escrow companies with all the care in the world. A mom of five and and pet mom of three, Valerie is a natural host, and keeps all of our clients feeling engaged and cared for.
Luis Felipe Leal De San Martin
Luis Felipe Leal De San Martin,
Account Executive
Luis is the Account Executive at Rate Leaf. With over thirty years of experience, his expertise lies in strategic marketing & sales. His deep industry knowledge, combined with his experience in guiding campaign development, product launches, and content strategy, have helped elevate the brand profiles he's worked with in the past. He excels at crafting high-impact, communications and maintaining consistent messaging across all brand touch points. His sales background is expansive, encompassing both B2C and B2B,
Misha Bennett
Misha Bennett, Business Development
Hi my name is Misha and I'm a business developer at Rate leaf. Family is the #1 most important thing to me and I cherish every moment I get to spend with my kids and family. I want to share that experience with all my clients and ensure that they get into the home of their dreams so they can spend more time with their family and doing what they love. From foreign investors to first time home buyers, I have the experience of working with clients from all over the world so I've seen every type of loan scenario and I'm here to help make sure you find a loan that fits your exact needs.
Kosta Thiesfeld-Bennett
Kosta Thiesfeld-Bennett, Loan Partner
Kosta is our Loan Partner. Customer Care is the name of his game, friendly and helpful, he will make sure all of our customers are taken care of and in the right hands. A big guy well over 6ft who has plenty of room for his clients in those big hands of his. Raised in Miami, Kosta is able to speak to most of our clients, as he is fluent in English, French, Spanish and Haitian Creole. He loves to spend time with his family and can usually be found reading his favorite novel or watching historical dramas from around the world.
Krystal Alvareztorre
Krystal Alvareztorre, Processor
Krystal started in the business as an MLO assistant, before switching full-time to mortgage processing. She's a mother of two and a fantastic communicator. All borrowers who have Krystal working on their file feel reassured that their loan is in good hands with her attention to detail and friendly manner.
Karl-Eric Thiesfeld
Karl-Eric Thiesfeld, Pre-Underwriter
Karl was born and raised in Port-au-Prince, Haiti. He moved to Miami his early twenties and attended MDCC for 2 years, before working as a real estate appraiser in Miami-Dade and Broward County. A previous resident of Canada, Karl moved back to Miami with his family to work as Rate Leaf's pre-underwriter. His lifelong passions are soccer and football.
Franz Thiesfeld
Franz Thiesfeld, Processor
Franz is another one of our trusted processors. Paying attention to every small detail in a borrower's file, Franz helps our clients and realtors partners close on home loans in record time.
Gabriel Mourra
Gabriel Mourra, Sr. Loan Advisor
Hi, my name is Gabriel, and I'm a Sr. Loan Advisor at Rate Leaf. I'm passionate about sports, fitness, and love the finer things in life. Personally, I believe that we should approach things as efficiently as possible, so I make sure to get to work as soon as I've pre-approved you for a home loan.

While some people might like to take the more scenic route, I'm a firm believer in setting high standards for any projects I take on, and would much rather deliver on what I've promised than keep my clients waiting.​

Connect with Gabriel

NMLS: 2047186
Email: gabriel@rateleaf.com
Phone: (786) 386-1169
Nicolas Mourra
Nicolas Mourra, Sr. Loan Advisor
Hi, my name is Nicolas, and I'm a Sr. Loan Advisor at Rate Leaf. When I'm not at the office, fixing cars for fun is what I live for. Like any good mechanic, I like to tinker with loan options to make sure that I've found the best possible home buying scenario for my client.

So many of my past clients have walked through the door unaware of all of the options they actually have. It's a shame, because you can get very creative and save thousands on your mortgage if you've got a broker willing to put in a little elbow grease.

Connect with Nicolas

NMLS: 2025540
Email: nicolas@rateleaf.com
Phone: (786) 386-1126
Terell KillingsEric Carré
Terell Killings, Sr. Loan Advisor
Hello, my name is Terell and I am a Senior Loan Advisor at Rate Leaf. I was born and raised in Miami and attended Miami Northwestern as a scholar-athlete where I would graduate with a 4.5 GPA while also winning two state championships in football. I was allotted the opportunity to attend Howard University on a football scholarship serving as a four-year starter and captain on their football team. It was there I would meet my wife as well.

Following my graduation from Howard University, I began my career in marketing for a mobile marketing company. I then transitioned into a role as a sales supervisor at Coca-Cola, however, I knew deep down I wasn’t truly fulfilled.

Connect with Terell

NMLS: 2028547
Email:
terell@rateleaf.com
Phone:
(305) 336-0075
Greg KillingsEric Carré
Greg Killings, Sr. Loan Advisor
Hello, my name is Greg, and I am a Sr. Loan Advisor at Rate Leaf.I was born and raised in Miami and attended Miami Northwestern Senior High school; lettering 4 years in basketball.

I graduated #3 in my class of 500 students with a 5.3 GPA.I received my Bachelor of Arts from Rice University in Houston, TX with concentrations in Mathematics and Statistics. I also lettered in four years of Division 1 Men's Basketball while enrolled. I enjoy sports, music, films, and leisure time.I have years of experience in business development and I love to solve problems of any magnitude.

Connect with Gregory

NMLS: 2327275
Email:
gregory@rateleaf.com
Phone:
(786) 859-9672
Greg KillingsEric Carré
Eric Carré, Loan Advisor
Hi, I'm Eric, and I'm a loan advisor at Rate Leaf. In my spare time you can find me looking for a new spot to eat at, or spending quality time with my son. I believe in quality, not quantity, and I look to find the best loan option available for my clients in the current market.​

Whether you're looking to buy your first home or refinance your mortgage, you'll always be in better hands with a mortgage broker.I'm well-versed in loan origination, with several years of experience in the mortgage industry to back it up.

Connect with Eric

NMLS: 1881533
Email:
eric@rateleaf.com
Phone:
(954) 526-5938