Absolut Financial Senior Staff

Jose Guillen

Jose L. Guillen is the founding member and President of Absolut Financial Resources and holds a B.S. in Business Administration from Florida International University. He founded AFR in 1989 wherein he has been originating, structuring, funding and closing commercial real estate loans for over 29 years. Mr. Guillen has built strong relationships in the industry. As President of AFR he directs loan originations, underwriting and structuring of senior, equity, mezzanine and specialty structured debt.  Prior to AFR, Mr. Guillen led an insurance and reinsurance group out of Miami.

Octavio Hernandez

Octavio Hernandez has a B.A. in Finance from Florida International University and over 35 years experience in the banking industry.  His unparalleled proficiency and constant success in banking led him to become President and CEO of three community banks. Mr. Hernandez was also instrumental in establishing U.S. Century Bank and its 25 branches throughout Miami-Dade and Broward County. With extensive experience in residential and commercial lending, international and retail banking and management, Mr. Hernandez is successful in meeting each of our borrower’s specific needs.

Juan Carlos Garcia

Juan Carlos Garcia, has owned and operated his own business for over 25 years and has owned and operated commercial real estate properties for many years. His various business relationships in the United States as well as Latin American countries have attributed to his success. His entrepreneurial experience enhances his creativity in structuring loan transactions which meet our borrower’s needs.  Mr. Garcia is fluent in English and Spanish and has resided in Miami, Florida most of his life.

Andres Navarrete

Andres Navarrete is a Florida State University graduate and recipient of the CCIM 2017 Florida Scholarship.  Mr. Navarrete is the process of earning the prestigious CCIM designation and is on the Board of Directors for the Miami Chapter.  His hands-on approach, keen attention to detail and strong communication skills have allowed him to close millions of dollars’ of commercial real estate loan transactions.  He maintains a strong rapport with his client base while continuing to build relationships within and beyond his hometown of Miami, Florida.   Mr. Navarrete’s fascination with the field of finance propels him to create a connection with borrowers to better serve their financial needs. 



Mark Lago has over 15 years experience in real estate.  Prior to joining Absolut Financial he valued large balance commercial real estate loan portfolios and started a nationwide REO repair program as a portfolio manager for Bayview Asset Management.  He holds a certified general appraiser license as well as a real estate sales associate license.  He graduated with a B.A. in sociology with a minor in business administration from University of Miami.  He also has an M.B.A. with a concentration in finance from Nova Southeastern University.  He is on the Planning Board for the City of South Miami and is also running to be commissioner of the City of South Miami.  

Walter Alvarez

Walter Alvarez, a licensed mortgage lender/broker who holds a B.S. in Industrial Management from Georgia Tech and has over 30 years of commercial banking experience. He started his banking career in Atlanta, Georgia with Suntrust Bank and spent 18 years in New Orleans, Louisiana working in community banks. He has been in Miami for the last 12 years, both as a commercial lending officer with several banks and as an independent commercial real estate mortgage lender. A native of Puerto Rico, Mr. Alvarez is fluent in English and Spanish.

Celia Guillen

Celia Guillen has been in the real estate arena since 1984. Ms. Guillen processed and closed real estate loans on the legal side for almost 10 years then in 1994, proceeded to work on the financing side with AFR. Her experience with the legal process in real estate transactions has attributed to her success in processing and closing commercial real estate loans. During her tenure with AFR she acquired assisted living facilities, obtained CORE training and received her administrator’s license. Ms. Guillen is a key liaison in working with AFR’s clientele, leverage providers, legal counsel and third party firms.  In her capacity as Director of Operations, she oversees underwriting, due diligence process and marketing.  A Miami native, Ms. Guillen has an excellent understanding of south Florida’s real estate market.