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 closing on time.

NMLS #21491064+ Years ExperienceLicensed in 2 States
148
Recent Loans Closed
4+
Years Experience
4.97
Average Rating (181 reviews)
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
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
Instant answers, 24/7
Sophia responds in seconds — Carrie follows up personally
Automated document collection
Upload from your phone, AI organizes everything
Real-time status tracking
Know exactly where your loan stands at every moment
Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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

Estimate monthly payments based on your actual scenario
Explore loan programs matched to your situation
Start your application without waiting for a callback
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

★ ★ ★ ★ ★
Carrie demonstrated her experience, knowledge and willingness to walk the extra mile. She made the home purchasing process smooth, quick and efficient. Thank you so much for taking good care of myself not only as a client, but also as a human being.
Edith Diana C.
Katy, TX
★ ★ ★ ★ ★
Por un momento pensé que no lo lograría, Carrie lo hizo posible
Gianni Javier B.
Cypress, TX
★ ★ ★ ★
Una Agradable experiencia en todo el proceso
Jose De Jesus L.
Fulshear, TX
★ ★ ★ ★ ★
The whole process was detailed.
Blanca Rosa H.
Magnolia, TX
★ ★ ★ ★ ★
Everything is excellent.
Borys Alexander R.
Magnolia, 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

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

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Get in Touch

Ready to get started?

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