Headshot of Rafaela Negron

Rafaela Negron

Vice President of Lending

The Vindman Team

NMLS #481229

14 Commerce Drive, Suite 400
Cranford, NJ 07016
Contact Methods
mobile Mobile
(973) 856-4479
fax Fax


About Rafaela

With over 25 years of mortgage experience, I understand that a hands-on approach is crucial to home loan approval. I approach every client’s financing with a high level of professionalism and expertise, emphasizing clear communication throughout the process. By speaking Spanish fluently, I communicate and assist the Hispanic community in achieving their homeownership dreams.

Whether your dream is purchasing your first home, your next home, or refinancing your current loan, everything starts with a conversation. We’ll discuss your finances and goals to determine what mortgage is right for you. To help you buy, I’ll highlight the benefits of conventional, FHA, and VA loans along with CCM’s suite of innovative programs. If you’re refinancing, we can explore our range of rate and term, home equity, and HELOC products. From our first conversation to closing, I look forward to assisting you with your home purchase or refinance goals!


  • 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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