Rafael Antonio Milanes III

I started my career in mortgage lending over 20 years ago, working with some of the largest banking institutions in the country. I learned the business inside and out — underwriting, lending operations, and every step of the process. But the more I learned, the more I saw something that didn't sit right with me: people were being treated like file numbers, not families.

That realization is what led me to build NNB Financial, Inc I wanted to create something different — a company where every client is known by name, where questions are always welcome, and where the process feels human from start to finish.

My faith guides everything I do — not as something supplemental to the business, but as the foundation it is built upon. As a Christian, a husband, and a father of three, I believe success isn't measured by how many loans we close — it's measured by the trust people place in us and the care we return. I credit God for every opportunity and every relationship this company has been blessed with.

I'm especially proud of the work we do serving Florida's Hispanic community. I understand the unique challenges families face when navigating the mortgage process, and it's a privilege to provide guidance in a way that feels clear, respectful, and empowering.

If you're looking for a team that will treat your goals like their own, I'd love the chance to earn your trust.