Our Team

We can REBUILD your present by providing education managing your credit and providing resources that are available to you. We want to RESTORE your future weather you are looking for a loan, lower interest rates or a higher credit score we want to offer a fresh start, through credit education and guidance we will help you reach your destination.


Racheal Padron
Senior Advisor

I am passionate about helping others; for the last 10 years I have devoted my time to assisting families fulfill an American dream of homeownership.  Before creating Rebuilding Financial Futures, I was a Family Program Director for, the world’s largest non-profit organization that builds affordable housing for low income families which gave me great insight and experience. I was responsible for  loan production, portfolio management, underwriting, compliance of grant specifications, HUD requirements, Fair Housing laws, advocating family partners as liaison to the agency; keynote speaker at Sponsorship functions; collaborations with community agencies. Processed highest number of applicants- 256; homeowners- 324; annual family participants- 36; in affiliate history.
“The purpose of life is not only to be happy. It is to be useful, to be honorable, to be compassionate and to make some difference “.


Kenneth LaMothe
Credit Advocate

I have been a Credit and Consumer Advocate for more than 18 years with emphasis upon the consumer’s rights, Awareness and Education. My background is in Mortgage, Credit Resolution, Contract Disputes, Debt Collections and Consumer Laws which include FDCPA, FCRA, TCPA and Texas State Laws, which allows me to become an advocate for the consumer. “I believe that each client or consumer should adapt a mission, if you will “Knowledge is power”.