Jose Blanco

About

Jose Blanco | NMLS #2739810

Mortgage Loan Officer, Lending Spot

Licensed in Florida

“My goal is to lay out every program you actually qualify for before we move forward, not just issue one pre approval and hope it fits.”

Empowering Miami-Dade Homebuyers and Self Employed Borrowers

Jose Blanco is a mortgage loan officer with Lending Spot serving Miami-Dade County and South Florida. He works across conventional and government backed purchases, and pays particular attention to self employed and alternative documentation loans for borrowers whose tax returns do not tell the full income story. His approach is to lay out every program a client actually qualifies for at the first conversation, not issue a single pre approval and move on.

Key Expertise & Loan Programs

• Conventional Loans for primary residences and investment properties
• FHA Loans for qualified buyers with flexible credit and down payment guidelines
• VA Loans for eligible veterans and active duty service members
• Jumbo Loans for financing above conventional limits
• Bank Statement and Alternative Documentation Loans for self employed and 1099 borrowers

Professional Highlights

• Self Employed Documentation. Works through alternative documentation early, before underwriting raises the question, for 1099 and self employed borrowers.
• Client Communication. Stays in direct contact from application through closing so nothing changes without the borrower hearing it from him first.
• Client Reviews. Highly rated by past clients across every reviewed transaction.

Client Commitment & Mortgage Philosophy

Jose believes financing should be clear from the first conversation, not clarified after an unexpected question from underwriting. He walks self employed borrowers through documentation requirements before an offer is written, and stays available from application through closing.

Let’s Talk About Your Financing

Whether you’re looking to:

• Buy a home in Miami-Dade County
• Use self employed or 1099 income to qualify
• Explore VA or jumbo financing options

Reach out to Jose Blanco for a straightforward conversation about what you qualify for.