Roberto Riadigos
Loan Officer
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About
Loan Officer – Lending Spot
📍 Certified Mortgage Advisor (CMA) • Mortgage Broker • Correspondent Lender – Licensed in Florida, Based in Miami
25 Years of Mortgage Experience | Fluent in English & Spanish
🔹 “Better rates, more options, and expert guidance—because your financing should work for you, not against you.”
Expertise & Specialization
With over 25 years in residential lending, I have helped hundreds of homebuyers, investors, and homeowners achieve their goals with transparent, client-first advice. My CMA designation means I have advanced training in mortgage-backed securities, treasuries, and bond markets—allowing me to time locks and structure debt with precision.
As an Independent Broker and Correspondent Lender, I provide access to multiple wholesale investors for competitive rates, a wide range of programs, and faster closings.
I specialize in:
✔ Fast, reliable pre-approvals for agents and buyers needing quick turnarounds
✔ Strategic mortgage structuring to align with long-term wealth goals
✔ Self-employed and alternative documentation solutions
✔ Foreign national loans for non-U.S. citizens purchasing in Florida
✔ Renovation, construction, and jumbo financing for high-value properties
Core Loan Programs
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Conventional Loans – Fixed & ARM options for primary, second-home, and investment properties
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FHA Loans – Low down payment for first-time buyers and credit-flex borrowers
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VA Loans – 0% down financing for eligible veterans and active-duty service members
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Jumbo Mortgages – Competitive rates for luxury and high-value homes
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Bank Statement Loans – Alternative income verification for self-employed borrowers
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DSCR Loans – Qualification based on rental income for investors
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Foreign National Mortgages – Flexible documentation for international buyers
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Refinances – Rate-and-term or cash-out to reduce payments, shorten term, or access equity
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Down Payment Assistance – Guidance on Florida programs to reduce upfront costs
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Construction Loans – From ground-up builds to custom home projects
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Renovation Loans (FHA 203(k) & Fannie Mae HomeStyle®) – Purchase or refinance plus improvements in one loan
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Reverse Mortgages (HECM) – Equity-based retirement solutions for homeowners 62+
Professional Highlights
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President, MBA of South Florida (2021–2022) – Led industry initiatives, expanded professional networks, and promoted education and collaboration within the mortgage banking community.
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President, NAHREP South Florida Chapter (2019) – Advocated for Hispanic real estate professionals, organized educational events, and strengthened partnerships to support homeownership opportunities.
My Commitment to You
🏡 Clear, transparent communication so you’re always informed
💼 Creative, data-driven financing strategies tailored to your goals
⏳ Efficiency and speed, ensuring your loan closes on time
Whether you are purchasing your first home, refinancing, or expanding your investment portfolio, I will guide you to the right mortgage solution.
For Real Estate Professionals
Elevate your client’s buying experience with personalized approvals, reliable updates, and on-time closings.
Let’s Build Your Mortgage Strategy Today
Better rates, more choices, and trusted guidance are just a conversation away.