Meet Our Mortgage Loan officer Kylie Raffi

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.

Kylie Raffi

Mortgage Loan officer

(38 Reviews)

Always Accessible & Reliable

Kylie is known for her unmatched availability and responsiveness. Whether it’s a quick question or an urgent update, clients trust that Kylie is just a call or message away—bringing reassurance, clarity, and peace of mind at every step of the loan process.

Expertise with a Human Touch

With a diverse background in technical roles across the mortgage industry, she offers both precision and empathy. She uses her industry insight to craft tailored solutions while maintaining a friendly, client-focused approach that makes even complex transactions feel simple & smooth.

About Kylie

Get To Know Me

Reliable, Transparent, Supportive

Quality You Can Trust

Kylie finds her greatest joy in the bonds she builds—at home and at work. Her family values inspire the level of care and attentiveness she gives to clients. Each transaction reflects her belief that strong relationships are the foundation of both personal and professional fulfillment.

In the ever-changing landscape of home financing, Kylie Raffi stands out for quality and integrity you can trust. As a dedicated mortgage professional, she has earned a reputation built on transparency and reliability. Kylie Raffi is committed to providing clients with a smooth mortgage experience. Past clients and industry professionals’ credit Kylie Raffi as the gold standard for how the mortgage process should happen. When homebuyers choose Kylie Raffi, they are choosing a partner committed to the highest level of service.

Lender for Life

Kylie is building a reputation not just on successful closings, but on how she makes people feel throughout the process. Her legacy lies in being a dependable guide—known for honesty, efficiency, and turning what can be a stressful journey into one that’s empowering and rewarding.

Kylie Raffi is not focused on a single transaction; the goal is to be a Lender for Life, guiding clients through every stage of their homebuying journey, from the first starter home to forever home. This focus on long-term partnership means clients receive proactive advice on when to refinance, how to leverage home equity for renovations, and strategic planning for investment properties. Kylie Raffi‘s consistent communication, annual mortgage reviews, and commitment to personalized service are why the majority of her business comes from happy, returning clients.

Commitment to Communication

From underwriting to loan structuring, Kylie’s experience across technical mortgage functions makes her an expert navigator of the loan process. She anticipates challenges before they arise and tailors every solution to match her client’s needs—ensuring a seamless and confident experience from start to finish.

Kylie Raffi understands that the most stressful part of the buying process is the mortgage. Kylie Raffi makes a personal commitment to clear, consistent communication from day one. As a dedicated Southern Trust lender, Kylie Raffi utilizes an advanced mobile app to provide real-time status updates and secure portal for required documents. Both clients and their real estate agents know exactly where the loan stands and what will happen next. She excels at being a true guide, anticipating client questions and delivering critical information timely, to not cause any closing delays.

Resources

Essential Homebuyer Resources

See how our clients achieved their homeownership goals with us.

The Mortgage Process

We've based our home loan process on empathy for our home buyers and their agents.

Mortgage Pay Calculator

Estimate your monthly payment and apply with confidence!

Find The Right Loan

Discover loan options tailored to your needs and start your journey with confidence.

Home Loan Checklist

When buying a home, there are many documents you'll need to provide to your Loan officer.

What Makes Us Stand Out

Proven Lending Results Backed by Experience

With decades of experience and thousands of loans closed, we deliver proven results through competitive rates, streamlined processing, and expert guidance tailored to every homeowner’s needs.

Testimonials

Hear From Our Clients

See how our clients achieved their homeownership goals with us.

Grey colored quote-up icon in a minimalist stylish design.
Kylie Thanks for Everything you got me the house that I wanted it took a minute you helped me on the process. My first home I got it thank you for that and that’s why I’m doing this review so everyone can see that you get things done and you do help a lot thank you for the journey and the experience of me buying A house that me and my family are gonna enjoy and making things happen

Read more

R

Ruben Garcia

Grey colored quote-up icon in a minimalist stylish design.
Kylie was great to work with, very fast and responsive and got us what we needed right away. Highly recommend.

Read more

M

Michael McAlea

Grey colored quote-up icon in a minimalist stylish design.
A+++ Kylie was absolutely the best, she guided us through every step of the process, made sure to explain everything and helped us find what was the best option for us. This was a very long bumpy process but she made sure we won 🙌🏻

Read more

R

Rose Garner

Grey colored quote-up icon in a minimalist stylish design.
Kylie is so patient. She stayed calm when the home buying process had me so nervous! Kylie with the Wes Flowers team made things easy for me, and I highly recommend choosing her as your lender!

Read more

J

Jackie Hackett

Grey colored quote-up icon in a minimalist stylish design.
Kylie and the team at Southern Trust is amazing. And we wouldn’t be in our dream house if it wasn’t for them. They were flexible with finding us a mortgage solution which was fit. Kylie kept us up to date with everything related to our house and the mortgage, and was able to adjust when we had some challenges related to the seller’s side. I highly recommend Kylie and the team at Southern Trust.

Read more

W

War Goat1332 (Wargoat1332)

Grey colored quote-up icon in a minimalist stylish design.
Great response times and easy to work with! Highly recommend

Read more

A

Adam Harden

Grey colored quote-up icon in a minimalist stylish design.
Kylie was great to work with anytime any day I had a question she was there to answer it I don’t think I could have got through this process without her in my corner

Read more

P

Preston Gaus

Grey colored quote-up icon in a minimalist stylish design.
Working with Kylie Raffi was honestly one of the easiest experiences I’ve had. From the very beginning, I had a lot of questions, and she never once made me feel like I was asking too much. She stayed patient, explained everything clearly, and always got back to me fast, which gave me peace of mind the whole time. What really stood out to me was how smooth she made the entire process feel. There was no stress, no confusion—just clear communication and support every step of the way. You can tell she actually cares about the people she works with, not just getting the job done. I would 100% recommend her to anyone. If you want someone who’s reliable, responsive, and makes things feel easy, Kylie is definitely the one to go with.

Read more

K

Kendra Artybridge

Grey colored quote-up icon in a minimalist stylish design.
We had an exceptional experience working with Kylie from start to finish to close on our home. She was extremely informative and made sure we fully understood every document and requirement throughout the process. Her communication was clear, timely, and reassuring, which made a potentially stressful experience feel manageable and smooth. She truly went above and beyond, working closely with the seller’s agent when challenges arose and advocating for us every step of the way. When our appraisal came back lower than expected, she took the initiative to advocate on our behalf, walking us through the next steps and making every effort to support us through the situation. Her professionalism, dedication, and willingness to go the extra mile made all the difference in our home-buying experience. We are incredibly grateful for her hard work and would highly recommend her to anyone looking for a knowledgeable and trustworthy loan officer. Thank you for everything Kylie! – Aaron & Taylor

Read more

A

Aaron Ferdinand

Grey colored quote-up icon in a minimalist stylish design.
Very new to the whole home buying process. Was referred to Kylie Raffi and I’m very glad I was. She not only handled everything fast and efficiently, but she even went as far as to working around me schedule. I work irregular hours and she was always available. I never had to worry. Very help, knowledgeable, broke everything down for me, and would absolutely recommend.

Read more

J

James Gaus

Kylie Raffi

NMLS# 2233835

Mortgage Loan officer

Chat with Kylie Raffi

How would you like to communicate? *

What Determines Your Credit Score?

Get Started

From Dreams to Keys

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.