Francisco Giron

Managing Director

Commercial Real Estate

NMLS: 1061150

Francisco is a certified commercial credit lender and licensed mortgage loan originator with a successful 15-year career in commercial banking, business banking, small business, and consumer real estate lending. He offers strong expertise in real estate financial products and services and a proven track record of effectively aligning customer needs with financing strategies. 

His experience as a direct lender for financial institutions such as First Union Bank, Wachovia, Wells Fargo Bank, Citibank, HSBC, and Bank of America gives him the ability to design and implement procedures to improve productivity around the commercial loan origination process. His focus is on bringing his clients diversified financing alternatives to achieve their lending needs for commercial owner-occupied or investment real estate transactions. Most important, his understanding of banking policies, pricing, and protocols allows him to work with his lenders by originating sound and well-qualified financing opportunities. 

Francisco holds a bachelor’s degree from Florida International University with a double major in international business and management.

Carolina Arenas

Managing Partner

Commercial Real Estate


Carolina brings a refreshing perspective to the business of investment real estate sales. Her many years working in Wealth Management, along with the impressive network of clients she has cultivated through her high-level banking career, both locally and abroad, has enabled her to understand the exact needs of her investors while developing a relationship, and bring buyers and sellers together. Bilingual in English and Spanish, Carolina was born in Medellin, Colombia. In her free time, she enjoys staying active, and exploring the city. She loves traveling the world and experiencing all the differences the world has to offer. She has made her home in Miami for the last 9 years and currently resides in Brickell.
She works perfectly with international and local clients who are moving from around the globe or across town, whether they are seeking a home or an investment property, Carolina’s foundation for being effective is building relationships from the start. People love her listening skills, work ethic and positive attitude that build confidence, as well as her personable and professional character that allows her to build and maintain solid relationships that last well beyond closing day. 

Prior to her real estate career, Carolina worked in the banking industry for over 9 years. Thought her career at JPMorgan Chase Private Bank, she remained as consistent top performer in the Private Bank segment and built an outstanding professional track record. Her portfolio of High Affluent Domestic and international portfolio of clients consisted of more than 130 high net worth individuals and their families. She remains committed to building relationships based on trust and integrity and delivers exceptional results as a real estate analyst and sales professional.

Today, she uses her comprehensive knowledge of finance and relationship management to better serve her clients. “I believe in empowering my clients to negotiate effectively, by listening to their needs and hearing out their concerns, I can offer the quality care and peace of mind they truly deserve.” 

Philip Chen

Senior Partner

Head of CRE Origination

Commercial Real Estate

Philip is a commercial banker in South Florida with nearly 30 years’ lending experience in the region. Professionally credit-trained, his career has allowed him to interact with entrepreneurs on a variety of levels, from small businesses to middle market.Philip takes the time to understand the nature of his clients’ businesses and works toward cashflow and capital solutions. His excellent underwriting skills aid his clients through the entire process of commercial transactions.

With three decades of experience financing commercial real estate opportunities for owner-occupied and investment purposes, Philip adds strength to JACOG Financial Group and helps maximize commercial real estate financing opportunities for both domestic and international clients.

In addition to commercial real estate, he has a wealth of experience financing asset-based lending solutions through his commercial banking career at working for some of the strongest financial institutions such as Barnett Bank, Wachovia Bank, SunTrust Bank, Citibank, Seacoast Bank, and Valley National to name a few.

Philip holds a bachelor’s degree in finance from Florida Atlantic University.

Wil Saravia

Operations Manager

Real Estate Finance

NMLS: 1654901

Wil Bringing’s over 15 years’ experience in the real estate industry, he joined JACOG Financial Group in 2017 as a managing partner assigned to run and grow the residential mortgage division.

Prior to joining the team, Wil worked with The Related Group’s affordable division—Related Urban—to acquire government-subsidized properties throughout Miami-Dade County. These properties were in a state of disrepair and financial ruin, and Wil played a key role in turning them into profitable and habitable estates. His experience includes asset management, property management, lease-up coordination, property acquisitions and takeovers, and real estate sales.

Among his many accomplishments with The Related Group, Wil was named Property Manager of the Year in 2015. In 2014, Wil successfully completed the acquisition and lease up of the first ever mixed-use public housing development in Miami-Dade County, in which 100% of the apartments are both tax-credit- and project-based. In 2016, he oversaw the takeover of Joe Moretti, a historical property in Miami-Dade. His accolades, knowledge, and leadership played a key role in completing the project on time and within budget. Wil’s leadership abilities, along with his business acumen and excellent people skills, add value in positioning JACOG to become an absolute leader as a commercial and residential loan origination services provider.