Headshot of Javier Handal

Javier Handal

Branch Manager

Miami, FL Mortgage Lender

NMLS #368541

11030 N. Kendall Drive, Unit 200
Miami, FL 33176
Contact Methods
tel Phone
mobile Mobile
(305) 720-5359
fax Fax


About Javier

Javier has over two decades of Loan origination and leadership experience and a vast array of talent including negotiating tactics, management skills through his multiple businesses and banking expertise.

Javier served his country working in Telecommunications in the US Air Force. He played an integral role in Operation Southern Watch, Desert Thunder and Desert Fox in the Middle East where he earned the Air Force Expeditionary Medal and Air Force Achievement medal. Serving in the Air Force reinforced Javier's deep commitment to his country, family, and community.

When Javier is not working or with his family, he enjoys finding ways to set an example and make a difference in the world by helping families and volunteering for charity groups.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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