Fernando Miranda at Rate Affinity (Nmls #1560285)

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.

Jason Concepcion is a seasoned Mortgage Sales Manager based in Miami, FL, specializing in a wide array of lending products including first-time homebuyer loans, construction and renovation mortgages, as well as cross-border financing options for Canadian clients. With 30 years of experience, he prioritizes clear communication and tailored consultation to ensure that borrowers understand their mortgage options and achieve their homeownership goals. His expertise also extends to construction loans, particularly the construction-to-permanent loan, which streamlines financing for both construction and finished homes into a single closing process. Committed to exceeding borrower expectations, he has built his business largely on referrals, making him a trusted advisor in the real estate funding landscape. Generated from the website

Our wealth management advisors in TIAA’s Coral Gables, FL office are available to help clients plan for lifelong income, save for retirement, and achieve financial goals. Financial advisors are available by appointment to help provide lifelong financial well-being for our clients. The Coral Gables, FL office is a smaller satellite office, so please call today to schedule an appointment (877) 584-3046. This office does not accept walk-ins.