Headshot of Javier Handal

Javier Handal

Branch Manager

Javier Handal Team

NMLS #368541

Adress
11030 N. Kendall Drive, Unit 200
Miami, FL 33176
Contact Methods
Email
tel Phone
305-720-5359
mobile Mobile
(305) 720-5359
fax Fax
786-780-2855

Awards

About Javier

Hi, I’m Javier, and with over two decades of experience in loan origination and leadership, I bring a wealth of knowledge to the table. My expertise spans negotiating tactics, management skills, and banking, all of which I use to help my clients achieve their homeownership goals. As part of CCM’s Miami, FL branch, I’m proud to offer the resources of America’s #1 Retail Mortgage Lender to provide you with the best possible service.

Before my mortgage career, I proudly served in the U.S. Air Force, working in Telecommunications and playing a key role in Operation Southern Watch, Desert Thunder, and Desert Fox. I was honored with the Air Force Expeditionary Medal and Air Force Achievement Medal, experiences that deepened my commitment to my country, family, and community. When I’m not working or spending time with my family, I enjoy giving back through charity work and helping families in need. Let’s work together to make your homeownership dreams a reality!

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

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.

Resources

  • 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.

Quick Contact Form

Send me a message below or give me a call at 305-720-5359