Carrie Andrade · Branch Manager

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.

NMLS #21491064+ Years ExperienceLicensed in 2 States
154
Recent Loans Closed
4+
Years Experience
4.97★
Average Rating (191 reviews)
Carrie Andrade — Branch Manager
Carrie Andrade
Branch Manager · NMLS #2149106
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Carrie Andrade is a Licensed Mortgage Loan Originator and Branch Manager at American Financial Network, Inc. (AFN), where she leads The CA Lending Group, Inc., a Houston-based branch rooted in integrity, service, and a commitment to delivering personalized lending solutions with heart. As Branch Manager, Carrie leads with a client-first mindset, bringing experience, compassion, and unwavering dedication to every transaction. Whether you’re a first-time homebuyer, seasoned investor, or looking to refinance, she’s here to guide you every step of the way with honesty, clarity, and care. Carrie’s leadership has helped build a team that is committed to closing loans efficiently while making clients feel seen, supported, and confident in their financial journey. When you work with The CA Lending Group, you’re not just a number; you’re family. And with Carrie at the helm, you’re in expert hands. Fluent in Spanish and Chinese, Carrie bridges cultures and communities with ease. She grew up in Venezuela and was raised in Houston, a background that shapes her deep understanding of diverse borrowers and their goals. Her expertise spans a full range of loan programs, including Conventional, FHA, VA, USDA, Jumbo, and Non-QM options such as Bank Statement, 1099, ITIN, Down Payment Assistance (DPA), DSCR, and Foreign National loans.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #2149106
Licensed 2 States
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Carrie + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Carrie follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Carrie's expertise and AFN's full lending platform. When you're ready, Carrie steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Carrie · NMLS #2149106
Hi, I'm Sophia — Carrie's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
Su ectraordina trabajo y atención al 100%.
Yusmairi De Los Ange C.
Conroe, TX
★ ★ ★ ★ ★
Carrie is an outstanding professional. She coached me on preparing my finances for the down payment and closing costs, and she was thorough, clear, and made it easy for me to participate remotely from overseas. Her team at AFN was awesome and kept everything on track through closing. Highly recommend Carrie to anyone looking for a loan officer!
Oliver Ravard
AFN Client
★ ★ ★ ★ ★
Carrie made the whole process great. She is an outstanding professional who coached me on managing my finances so I was ready for my down payment and all the closing costs. She was thorough and clear, and she made my life much easier by letting me participate remotely while I was working overseas. Carrie will have my recommendation for any future home purchase, and I highly recommend her to anyone looking for a loan officer.
Oliver R.
Fulshear, TX
★ ★ ★ ★ ★
Quiero agradecer a Carrie Andrade por su excelente atención y profesionalismo durante todo el proceso de compra de mi primera casa. Desde el principio, Carrie fue muy amable, paciente y siempre estuvo pendiente de cada detalle. Me explicó cada paso con claridad y estuvo disponible para responder mis preguntas y ayudarme cuando lo necesitaba. Estoy muy agradecido por el tiempo, la dedicación y el trato que recibí durante todo el proceso. Gracias a su ayuda pude completar este importante paso y cumplir una de mis metas personales. Recomiendo a Carrie por su excelente servicio y por la atención que brinda a sus clientes. ¡Muchas gracias, Carrie, por toda tu ayuda!
Jose F G.
Conroe, TX
★ ★ ★ ★ ★
Great service. Very knowledgeable. Carrie guided me through the process.
Josver Neptali R.
Katy, TX
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

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Carrie typically responds within 24 hours. No bots, just expert advice.