Angelica Giraldo

About

Mortgage Loan Officer – Lending Spot
📍 Your Trusted Loan Officer in Miami, Specializing in FHA, VA, and Foreign National Home Loans
🔹 “Transforming your homeownership dreams into reality with personalized mortgage solutions.”

Expertise & Specialization
With a strong background in the mortgage industry, I am committed to guiding clients through the complexities of home financing. My areas of expertise include:
✔ Conventional Loans: Offering standard mortgage options with competitive terms.
✔ FHA Mortgage Loans: Assisting clients in securing government-backed loans with flexible requirements.
✔ Foreign National Loans: Providing tailored mortgage solutions for international buyers investing in U.S. real estate.
✔ HELOC / Second Mortgages: Helping clients access home equity for renovations, debt consolidation, or other financial needs.
✔ Non-QM Alternative Programs: Delivering flexible financing options for borrowers outside traditional lending criteria.
✔ Down Payment Assistance: Guiding clients to programs that ease the upfront costs of homeownership.
✔ Jumbo Loans: Structuring financing for high-value properties exceeding conforming loan limits.
✔ Bank Statement Loans: Offering mortgage solutions for self-employed borrowers using bank statements to verify income.
✔ Reverse Mortgages: Assisting seniors in converting home equity into cash flow.

My Commitment to You
I understand that each client’s situation is unique. My approach focuses on:
🏡 Personalized Guidance: Crafting mortgage solutions that align with your financial goals.
💼 Transparent Communication: Keeping you informed at every step of the mortgage process.
⏳ Efficient Processes: Utilizing technology to streamline approvals and closings.

Beyond Mortgages
Outside of work, I enjoy participating in community events and exploring new investment opportunities.

Let’s Achieve Your Homeownership Goals
📞 Ready to explore your mortgage options? Contact me today to discuss financing solutions tailored to your needs.