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Dedicated to Service

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

Our team wakes up every day excited to go to work—there's no better feeling than helping someone buy their first home!

Whether you are a first-time buyer, a homeowner looking to refinance, or simply looking for an investment property, you will find that Rate Leaf is dedicated to providing you with quality service at all times. We believe in meticulous loan processing and utilizing all available resources to help you climb higher on the generational wealth ladder.

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.
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!
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.
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.
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.

Our Team

Jocelyn Falero
Jocelyn Falero
Sr. Loan Advisor
Jocelyn Falero, a natural in the real estate industry, has a lifelong background in the field. Raised by Realtor parents, she gained hands-on experience at a young age, showcasing properties during high school and later working as a transaction coordinator. Jocelyn earned a Bachelor's degree in psychology with honors from the University of Florida. Transitioning into real estate full-time, she quickly soared to the top of the South Florida market, benefiting from extensive training at Keller Williams.

Connect with Jocelyn

NMLS: 2477039
Phone: (954) 243-5212
Samir Maignan
Samir Maignan
Branch Manager
Samir has been in the Mortgage field since 1996. His client relationships have also spanned that long as well. He has done loans for their family, friends, and now their kids!  He welcomes the opportunity to be a resource for you and your friends and family.  
He speaks Spanish, Creole, and he can get by in French as well.  He is honored to be a part of the guardianship of the American Dream:  Home Ownership!!!

Connect with Samir

NMLS: 390713
Phone: (904) 444 8500
Kosta Thiesfeld
Kosta Thiesfeld
Loan Advisor
Kosta serves as our esteemed Loan Advisor, embodying the essence of exceptional customer care. Approachable and resourceful, he consistently ensures the well-being of all our clients. Fluent in English, French, Spanish, and Haitian Creole, Kosta’s linguistic talents enable him to connect with a diverse range of individuals. Outside of work, he cherishes quality time with his family and has a passion for global historical dramas, which he enjoys watching in his leisure time.

Connect with Kosta

NMLS: 2306283
Phone: (786) 481-0732
Terell KillingsEric Carré
Terell Killings
Sr. Loan Advisor
Hello, I am Terell, the team leader at Noble Home Solutions, a real estate broker-associate with eXp Realty, and a senior loan officer at Rate Leaf Inc. Born and raised in Miami, FL I excelled as a scholar-athlete which led to me attending Howard University where I received my Bachelor’s degree specializing in Advertising and later Florida International University where I received my Master’s degree in Business Administration.

Connect with Terell

NMLS: 2028547
(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 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
(786) 859-9672
Isaac ArmendarizEric Carré
Isaac Armendariz
Sr. Loan Advisor
My name is Isaac, and I am a passionate and hardworking professional. I immensely love baseball and prioritize my family above all else. As a Senior Loan Advisor at Rate Leaf, I bring a strong work ethic and a commitment to providing excellent service. Teamwork and collaboration are essential, both in baseball and in business. I strive to work closely with my clients, going above and beyond to meet their needs.

Connect with Isaac

NMLS: 2061862
(915) 206-5511
Luis Felipe Leal De San MartinEric Carré
Luis Felipe Leal
Sr. Loan Advisor
Hi, I'm Luis, and I'm a Sr. Loan Advisor at Rate Leaf. I bring a wealth of experience and a proven track record in various aspects of business, including marketing, sales, grassroots initiatives, and customer relations.

With a strong background in managing multifunctional projects, I am well-equipped to provide valuable insights and support to our Innovation teams.

Connect with Luis

NMLS: 2134449
(786) 304-2566
Greg KillingsEric Carré
Eric Carré
Sr. 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 foodie hotspot 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.​
With many years in the industry, whether you're looking to buy your first home or refinance your mortgage, you are in good hands.

Connect with Eric

NMLS: 1881533
(954) 526-5938
Rachele Brezault
Rachele Brezault
Business Development
Rachele, our Head of Business Development, is results-driven and passionate about guiding clients through property purchasing or refinancing. She provides personalized care and connects you with the right representative to find the ideal mortgage for your dream property. Rachele's extensive network creates synergy and offers unparalleled value to all parties involved. Her reputation for "getting things done" is solidified by her respect for clients and team members.
Misha BennettFranz Thiesfeld
Misha Bennett
Account Executive
Misha is an Account Executive. From foreign investors to first-time buyers, his scenario modeling has become a valuable tool for the business. By better planning for the future, mitigating risks, and capitalizing on opportunities, he ensures that clients get into the home of their dreams and is here to help them find a loan that fits their exact needs.