James Dugard

About

James Dugard | NMLS #2061683
Loan Officer, Lending Spot
Licensed in Florida

Mortgage Loan Officer for Home Buyers and Homeowners in Miami

James Dugard is a mortgage loan officer at Lending Spot, based in Pinecrest, who helps buyers in Miami Dade and Broward purchase a home with conventional and FHA loans. He also helps homeowners refinance or use the equity they have built through a cash out refinance, a HELOC or a home equity loan.

Since joining Lending Spot in 2023 he has closed more than $13 million in loans across 34 closings, most of them home purchases, and most in Miami Dade County. Through Lending Spot’s network of more than 100 lenders, he compares options across lenders so each client can see which loan fits their goal.

Who James Works With

• Buyers, including first time buyers, purchasing a primary home with a conventional or FHA loan
• Homeowners who want to refinance their current mortgage
• Homeowners who want to access their equity for a renovation, a large expense or debt consolidation
• Real estate investors refinancing or buying a rental property

Loan Programs

Home purchase

• Conventional loans
• FHA loans, a government backed option with flexible requirements

Refinance and home equity

• Rate and term refinance to change the rate or term without taking cash out
• Cash out refinance to replace the current mortgage and take cash from equity
• HELOC (home equity line of credit) to borrow against equity while keeping the first mortgage
• Home equity loans (second mortgages paid out as one amount), for example for a renovation

Also available: DSCR loans (debt service coverage ratio) that qualify on a rental property’s income, and bank statement loans for self employed borrowers.

Program availability and qualification depend on the borrower, the property and the individual lender’s guidelines. Not all applicants will qualify.

How James Works

James starts with what the client is trying to accomplish, whether that is buying a home, lowering or restructuring a mortgage, or funding a renovation, and gives personalized guidance on the options that fit that goal.

He keeps clients informed at every step, from the first conversation through closing, and uses Lending Spot’s online application and tools to keep the process moving.

How James Helps Buyers and Homeowners Choose

• Conventional or FHA for a primary home. Both can work, and the better fit depends on the buyer’s credit, savings and the property. James compares the two for each buyer instead of defaulting to one.
• Refinancing or keeping the current mortgage. A cash out refinance replaces the whole first mortgage. A HELOC or home equity loan sits behind it as a second loan, so the original mortgage stays as it is. Both options are secured by the home. James walks homeowners through what each option means for their monthly budget before they choose.
• A credit line or one amount up front. A HELOC works like a credit line that can be drawn as needed. A home equity loan pays out one amount up front, which some homeowners prefer for a renovation with a set budget.

Background

• Loan Officer at Lending Spot since February 2023
• More than $13 million in funded loans across 34 closings at Lending Spot, 2023 through 2026 (as of September 2026)
• Experience with conventional and FHA purchase loans, refinances, home equity and investor loans

Areas Served

Miami Dade County, including Miami, Doral, Hialeah, Homestead, Miami Lakes and Cutler Bay, and Broward County, including Pembroke Pines, Hollywood, Sunrise and Plantation. James has also closed loans in Cape Coral, Jacksonville, Stuart and the Florida Keys.

Licensing

James Dugard, Loan Officer
NMLS #2061683
Lending Spot LLC, NMLS #2463121
Florida Mortgage Lender License #MLD2415
9655 S Dixie Hwy Suite 200, Pinecrest, FL 33156
Licensed in Florida
Verify NMLS #2061683 on NMLS Consumer Access
Equal Housing Opportunity

Let’s Talk About Your Financing

• Call or text: (786) 300 7374
• WhatsApp: (786) 300 7374
• Email: james@lendingspot.net
• Start an application with James