With over a decade of experience in the California real estate and mortgage industry, Rafael Arce is dedicated to helping individuals and families achieve their homeownership dreams. As a licensed mortgage broker, Rafael brings an unparalleled level of expertise and personal commitment to each client, guiding them through the complexities of mortgages with clarity and confidence.
Born and raised in Southern California, Rafael understands the nuances of the local market and offers customized solutions to meet his clients' unique financial goals. Whether you're buying your first home, refinancing an existing mortgage, or investing in property, Rafael is passionate about making the process seamless and stress-free.
Rafael’s approach combines deep market knowledge, integrity, and a personalized touch that ensures each client receives the best rates and terms. His mission is to provide transparent and honest advice, empowering his clients to make informed decisions that align with their long-term goals.
Outside of his work in mortgages, Rafael is a devoted husband, father, and entrepreneur with a passion for helping others succeed in both life and business. When he’s not securing loans for his clients, you can find him traveling with his family, coaching, and building businesses that align with his purpose to help others live their best lives.
Our story is simple, yet our distinguished approach is highly sophisticated. Catering to the most discerning clientele with a desire and demand for luxury real estate. Unmatched commitment to set a new standard in representation of selling and buying real estate.
Alfonso and his team at T.I.M.E Lending went above and beyond for my partner and I. They handled the whole experience professionally and was really inclusive and supportive.
I felt that they really guided us through the entire loan process. Being that they were available 24/7...
TIME Lending helped me start my investment portfolio and secure a higher loan than other lenders, maximizing the FHA process.
If you want a lender that knows the business and prioritizes your financial goals, TIME Lending is the one. I highly recommend!
After speaking with many lenders, Alfonso stood out by diving into my paperwork and providing realistic solutions.
He was always available, even during stressful times, and his expertise made all the difference. If you want the best, choose Alfonso....
Alfonso at TIME Lending expertly handled my home refinance, answering all my questions and securing an even lower rate than expected.
His service exceeded my expectations, and I’m fully satisfied. I highly recommend him to anyone needing a trusted lender.
TIME Lending’s expertise and rates on my VA loan were outstanding. The team patiently answered all my questions, explained every detail, and was always available.
Professional, reliable, and knowledgeable—I highly recommend TIME Lending to anyone purchasing a home.
After struggling with lenders, Alfonso helped us secure our dream home when others couldn’t. He made the process easy, reassured us, and quickly answered all our questions.
I highly recommend Alfonso and will continue using him as our loan officer.
