Daniel Stenham

About

Mortgage Loan Officer – Lending Spot
Licensed in Florida & Georgia
Specialist in Investor Loans, Self-Employed Financing & Refinance Strategies
“Whether you’re purchasing, investing, or refinancing—I help you structure the right loan with clarity, precision, and speed.”

I’m Dan Stenham, a licensed mortgage loan officer in both Florida and Georgia, with a proven track record of helping homeowners, investors, and entrepreneurs navigate the lending process with ease and confidence.
Prior to Lending Spot, I served as a Mortgage Loan Officer at Union Home Mortgage, where I developed in-depth experience in purchase loans, refinancing, and solutions for non-traditional borrowers. My approach has always been about clear communication, transparency, and building long-term client trust.
Now at Lending Spot, I provide boutique-level service supported by access to over 70 top lenders, helping my clients achieve financing tailored to their personal and investment goals.

Loan Programs I Offer
At Lending Spot, I structure loan solutions that adapt to today’s diverse financial profiles:

• Conventional Loans – Great for primary, secondary, or investment properties
• FHA & VA Loans – Government-backed solutions with flexible guidelines
• Bank Statement Loans – Ideal for self-employed borrowers and 1099 earners
• DSCR Loans – For real estate investors qualifying based on property rental income
• Foreign National Loans – For non-U.S. citizens investing in U.S. property
• Jumbo Loans – For high-value real estate purchases above conforming limits
• Rate-and-Term Refinance – Adjust your current rate or loan term
• Cash-Out Refinance – Tap into your home equity to fund renovations, investments, or consolidate debt

Why Clients Work With Me

•  Licensed in Florida and Georgia – Expertise in both state-specific lending processes
•  Background at Union Home Mortgage, a respected nationwide lender
•  Specialized in investor-focused loans, including DSCR and cash-out refinance
•  Clear, proactive communication at every stage
•  Access to Lending Spot’s extensive network of lenders for flexibility and speed
•  Strategic support for refinancing, self-employed buyers, and international investors

Who I Work With

• Florida and Georgia residents looking to purchase or refinance
• Self-employed borrowers needing non-traditional documentation
• Real estate investors using DSCR loans to expand their portfolios
• Foreign nationals buying in the U.S. with no credit history
• Homeowners seeking cash-out refinance options to access equity

Let’s Work Together
If you’re ready to explore your mortgage options in Florida or Georgia, I’m here to guide you with honesty, experience, and a clear plan.