Karla Dinescu

About

Senior Mortgage Loan Officer – Lending Spot

📍 Your Mortgage Specialist in Florida, Expert in Refinancing, Self-Employed Loans & Foreign National Financing
🔹 “Whether you’re buying, investing, or refinancing—I’ll help you navigate the Florida mortgage market with precision, speed, and clarity.”

Expertise & Specialization

With over 10 years of experience in the mortgage industry, I’m passionate about helping clients across Florida access smart, strategic financing. My specialties include:

✔ Conventional Loans: Ideal for primary, secondary, or investment properties.
✔ FHA Loans: Flexible options with lower down payments for first-time and moderate-income buyers.
✔ VA Loans: 100% financing solutions for qualified veterans with a Certificate of Eligibility.
✔ Jumbo Loans: Financing for high-value properties exceeding conforming loan limits.
✔ Foreign National Loans: Designed for non-U.S. citizens investing in Florida real estate.
✔ Bank Statement Loans: Customized for self-employed borrowers who don’t rely on traditional income documentation.
✔ DSCR Loans: Tailored for investors, qualified based on rental income instead of tax returns.
✔ Rate & Term Refinance: Restructure your loan to achieve better terms or lower rates.
✔ Cash-Out Refinance: Unlock home equity for renovations, debt consolidation, or new investments.
✔ FHA Streamline Refinance: Fast-track refinancing for existing FHA borrowers—no appraisal needed.

Professional Journey

I’ve built a reputation for fast closings, clear communication, and a deep understanding of both traditional and non-QM loan programs. As a fully licensed mortgage advisor in Florida, I bring localized market insight, strong lender relationships, and a commitment to smooth, transparent loan experiences.

My 5-star Zillow reviews reflect years of delivering results for homeowners, first-time buyers, investors, and foreign nationals alike.

Educational & Licensing Background

✔ Licensed Loan Officer – State of Florida
✔ Extensive training in alternative lending solutions and refinance strategy

Skills That Set Me Apart

✔ Refinancing Strategy: From rate reductions to cash-out solutions.
✔ Self-Employed Borrower Support: Creative structuring for non-W2 income.
✔ Foreign National Financing: Expert guidance for non-resident buyers.
✔ Transparent Communication: Weekly status updates and hands-on support.
✔ Relationship-Driven Service: Boutique-level attention, backed by Lending Spot’s powerful platform.

My Commitment to You

🏡 Personalized Mortgage Solutions: Whether you’re buying, refinancing, or investing.
💬 Clear Communication: No surprises—just honest guidance.
📈 Data-Driven Strategy: Lending advice backed by real numbers, not assumptions.

Let’s Find the Right Loan for You

📞 Ready to explore your options? Contact me today for mortgage solutions tailored to your goals—no matter how unique they may be.