Lending Spot

Please join us in welcoming Angel Aquino Velez to the Lending Spot family! 💙

Loan Officer | NMLS #1711123
Windermere, Florida

With over 30 years of experience in mortgage, investment, and commercial banking, Angel brings exceptional expertise in Jumbo and Non-QM loans and complex financing solutions.

We’re excited to have you on board and look forward to all the success ahead. Welcome to the team, Angel! 👏

WindermereFL

We don’t just watch Miami grow. We show up for it.

This week we represented Lending Spot at the launch of Kempinski Residences Miami Design District, the brand’s first branded residence in the United States.

Nights like this are about relationships. Building the community that lets us serve our clients at the highest level.
Miami is becoming the center of the luxury world. We plan to be right in the middle of it.

We never stop. ⚽️
But today we made an exception.
Part of the team hit pause, got together, and watched the England 🏴󠁧󠁢󠁥󠁮󠁧󠁿 vs Argentina 🇦🇷 semifinal as a family. 🙌
The files will still be there in 90 minutes. Moments like this will not.
Some of us are still not over that result.
Who were you rooting for? 👇

A denial is often just one lender’s opinion, not a final answer.

We recently helped a client who was turned down in January. Her bank looked strictly at her tax returns, which showed an income of $82,000. Based on that single number, they told her she couldn't buy the home she wanted.

When she came to us, we looked at the full picture. By reviewing her bank deposits, we found her actual cash flow was $14,000 per month, over double what the tax returns suggested. We matched her with a program designed to recognize her real income, and we closed her loan in March.

Nothing about her credit or her earnings changed between January and March. The only difference was the math.

If you have been denied elsewhere, let us take a second look at how your income is being calculated.

Not having a Social Security number should not be a barrier to fair financing. We recently helped a client who was told a $120,000 down payment was her only option. By identifying a more specialized program, we reduced her requirement to $80,000. A $40,000 difference that stayed in her savings.

Colombian investment in Florida is growing rapidly, with many buyers utilizing ITINs to enter the market. Too often, these buyers accept high-cost terms simply because they are not aware that better alternatives exist or because their lender lacks the right programs.

Our goal is to ensure international investors and residents find terms that truly fit their financial profile. Send us a message to review your options and see how much you could save on your next purchase.