Gina P Montes

About

Gina P. Montes | NMLS #38721
Mortgage Loan Originator – Lending Spot
Licensed in Florida
Fluent in English & Spanish

“I streamline home financing so you can focus on what matters—moving into your new home or growing your real estate portfolio.”

High-Impact Opening
With over 15 years in the mortgage industry, Gina Montes excels at designing tailored loan strategies that meet each client’s unique needs. As a Mortgage Loan Originator at Lending Spot in Sarasota, Florida, she draws on her experience at Paramount Residential Mortgage Group (PRMG) to deliver fast approvals and clear communication.

Expertise & Specialization
Gina structures the right mortgage solution by leveraging Lending Spot’s network of 70+ lenders. Her core offerings include:

• • Conventional Loans – Competitive rates for primary residences, second homes, and investment properties
  • FHA Loans – Low down payment programs for first-time buyers and credit-flexible borrowers
  • VA Loans – Zero-down financing for eligible veterans and military families
  • Jumbo Loans – High-value mortgages for luxury properties exceeding conforming limits
  • Bank Statement Loans – Ideal for self-employed and 1099 borrowers without W-2 income
  • DSCR Loans (Debt Service Coverage Ratio) – Approval based on rental income for real estate investors
  • Foreign National Mortgages – Flexible documentation for non-U.S. citizens buying Florida real estate
  • Rate-&-Term Refinance – Lower your interest rate or adjust your loan term
  • Cash-Out Refinance – Access home equity to fund renovations, debt consolidation, or investments
  • Down Payment Assistance – State and local programs for qualified Florida homebuyers

Professional Journey

• • Lending Spot (Current) – Mortgage Loan Originator delivering personalized financing strategies in Sarasota, FL
  • Paramount Residential Mortgage Group (PRMG) – Mortgage Consultant specializing in purchase and refinance loans for over a decade

Client Commitment & Mortgage Philosophy
Gina believes in transparent, education-driven service. She guides borrowers through each underwriting requirement, provides weekly status updates, and resolves obstacles swiftly—ensuring a smooth closing experience for both English- and Spanish-speaking clients.

Let’s Secure Your Financing
Whether you’re aiming to buy in Sarasota, Tampa, or anywhere in Florida, invest in rental properties, or refinance for better terms, Gina P. Montes is ready to structure the right mortgage solution for your goals.