Cindy Jaramillo

About

About Me

I’m Cindy Jaramillo, a mortgage professional serving Sarasota and Southwest Florida, with a strong focus on helping clients move through the home financing process with clarity, confidence, and personal attention. Public profile snippets identify me with Oasis Finance Group powered by Lending Spot, based in Sarasota, and also reflect my Spanish-speaking market presence through public mortgage profiles and social channels. (LinkedIn)

My approach is built around something simple but powerful: mortgage guidance should feel clear, strategic, and human. Buyers and homeowners are making major financial decisions, and they need more than a rate quote. They need a lender who can explain options clearly, identify the right loan structure, and stay engaged from the first conversation through closing. That is the standard I bring to every transaction.

I am especially well positioned to work with clients who value responsive service, bilingual communication, and strong local market understanding. In Southwest Florida, that matters. Financing a primary home, second home, refinance, condo, or investment property often requires not only product knowledge, but also attention to timing, borrower profile, and property-specific details.

What I Help Clients Navigate

Through the Lending Spot platform, I help clients evaluate a broad range of mortgage and real-estate financing solutions, including:

Home Purchase Loans

• Conventional loans
• FHA loans
• VA loans
• Jumbo loans
• First-time homebuyer financing
• Down payment assistance programs

Refinance & Equity Solutions

• Rate-and-term refinance
• Cash-out refinance
• HELOC
• Second mortgage / HELOAN options

Self-Employed & Flexible Qualification Paths

• Bank statement loans
• 1099 income loans
• P&L loans
• Asset depletion loans
• VOE-only programs
• CPA letter programs

Investor & Specialized Lending

• DSCR loans for real estate investors
• Bridge loans
• Fix-and-flip financing
• Foreign National loan programs
• ITIN borrower programs
• Condo and non-warrantable condo financing
• Condotel financing

How I Work

I focus on four things that matter to real borrowers:

• Clear communication so clients understand what their options actually mean
• Personalized guidance so the strategy fits the borrower, not just the program
• Bilingual support for English- and Spanish-speaking clients
• Efficient execution so the process stays organized and the closing stays protected

Who I Am Best Positioned to Help

I am especially well positioned to help:

• First-time homebuyers in Sarasota and Southwest Florida
• Spanish-speaking borrowers looking for clear mortgage guidance in English and Spanish
• Borrowers comparing FHA, Conventional, VA, and Jumbo options
• Self-employed borrowers exploring flexible documentation paths
• Real estate investors evaluating DSCR, bridge, and rehab financing
• Buyers navigating condo, condotel, or complex property scenarios
• Homeowners considering refinance or cash-out strategies