Ray Guerra
Loan Officer
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About
Senior Loan Originator – Lending Spot
📍 Your Dedicated Loan Officer in Miami, Florida, Specializing in Conventional, FHA, VA, and Jumbo Loans
🔹 “Guiding you through the mortgage process with expertise and personalized service.”
Professional Background
With over 31 years in the financing industry, I have dedicated my career to making the dream of homeownership a reality for individuals and families alike. My extensive experience includes:
✔ Current Role: Senior Loan Originator at Lending Spot, where I leverage my extensive experience to offer personalized mortgage solutions.
✔ Previous Experience: I’ve refined my skills across several esteemed institutions, most notably as a Senior Mortgage Loan Officer at American Portfolio Mortgage Corporation and as a Team Mortgage Loan Originator at Caliber Home Loans. My journey has also seen me excel in underwriting roles, where I ensured loans met FNMA and FHLMC guidelines.
Educational Foundation
🎓 Associate’s Degree in Business Administration and Management from Florida National University
🎓 Associate of Arts and Sciences (AAS) in Business, Management, Marketing, and Related Support Services from Miami Dade Community College
Skills and Specialties
✔ Loan Origination: Proficient in structuring loans under FNMA, FHLMC, FHA, VA, Jumbo, and Foreign National guidelines.
✔ FHA Regulations: Experienced in U.S. Federal Housing Authority (FHA) regulations.
✔ Bilingual Communication: Fluent in both English and Spanish, ensuring clear communication with a diverse clientele.
Why Work with Me?
Choosing the right mortgage can be daunting, but it doesn’t have to be. With my extensive background, I aim to simplify the process, offering clarity and confidence every step of the way. Whether you’re a first-time homebuyer seeking guidance, or looking to refinance or find a new home loan, I’m here to provide personalized service that meets your unique needs.
Engagement and Recognition
I am actively involved in the community, participating in initiatives like the Dolphins Cancer Challenge, reflecting my commitment not just to financial well-being, but to the overall health and prosperity of those around me. My dedication to service has earned glowing testimonials from clients who appreciate not just my expertise, but the genuine care and support I offer on their homeownership journey.
Let’s Achieve Your Homeownership Goals
📞 Ready to explore your mortgage options? Contact me today to discuss financing solutions tailored to your needs.