Jaime Lobo

About

Jaime Lobo | NMLS #1047132
Loan Officer – Lending Spot
Licensed in Florida
Specialist in FHA, VA, Conventional Loans & Refinancing
“Guiding Pinecrest and greater Miami clients to mortgage success through expertise, transparency, and tailored solutions.”

High-Impact Opening
With a solid foundation in the mortgage industry and a deep understanding of Florida’s lending landscape, Jaime Lobo empowers homebuyers and homeowners to secure the right financing. Based in Pinecrest, FL, he combines personalized service with Lending Spot’s vast lender network to deliver efficient, competitive mortgage solutions.

Expertise & Loan Programs
Jaime’s core areas of specialization include:

• FHA Loans: Helping first-time buyers and credit-flex borrowers access government-backed mortgages with as little as 3.5% down.
• VA Loans: Zero-down financing and streamlined underwriting for veterans, active-duty service members, and eligible military families.
• Conventional Loans: Competitive fixed- and adjustable-rate mortgage options for primary residences, second homes, and investment properties.
• Rate-&-Term Refinance: Lower your interest rate or shorten your loan term to reduce monthly payments and save on interest.
• Cash-Out Refinance: Unlock home equity for renovations, debt consolidation, or new investments.
• First-Time Homebuyer Programs: Personalized guidance through down-payment assistance and special mortgage products tailored to new buyers.

Client Commitment & Mortgage Philosophy
Jaime believes that clear communication, educational empowerment, and streamlined processes are the keys to a successful mortgage experience. He provides:

• Transparent Updates: Real-time status reports from pre-approval to closing.
• Customized Solutions: Mortgage strategies aligned with each borrower’s financial goals and credit profile.
• Efficient Closings: Leveraging technology and Lending Spot’s 70+ lender partners to expedite approvals and lock best-available rates.

Professional Highlights

• Lending Spot – Pinecrest, FL: As a dedicated Loan Officer, Jaime has guided hundreds of Floridian clients through purchase and refinance transactions, earning a reputation for reliability and attention to detail.
• Florida Real Estate Market Expertise: Deep knowledge of Miami-Dade County neighborhoods, local home-appraisal trends, and lender requirements.

Ready to Achieve Your Mortgage Goals?
Whether you’re buying a home in Pinecrest, Coral Gables, Miami, or refinancing anywhere in Florida, Jaime Lobo is your go-to advisor for expert mortgage guidance.