Trevor Lilly
Loan Officer
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About
Mortgage Loan Officer – Lending Spot | Based in Miami, Florida
About Me
Born and raised in Miami, Florida, I bring a local, market-aware perspective to every purchase, refinance, and investment scenario—especially in a city where timing, condo rules, and appraisal dynamics can change outcomes fast. I earned a Business Administration degree from the University of Mount Union and was part of the 2008 NCAA Division III Football National Championship team—an experience that shaped how I work today: disciplined preparation, consistent execution, and team-first results.
With 13+ years in the mortgage industry, I help clients navigate financing with clarity, honesty, and confidence. I take the time to understand your priorities—monthly payment, cash-flow goals, timeline, and risk tolerance—then structure the right loan strategy and manage the process proactively from pre-approval to clear-to-close. I’m also licensed in health and life insurance, which supports a more holistic, long-term view of client planning beyond a single transaction.
Mortgage Career Highlights
- Bayview Loan Servicing (2012–2016) — Associate Portfolio Manager
- Lakeview Loan Servicing (2016–2025) — Retail Mortgage Loan Officer
- Dream Team Mortgage (2025–2026) — Mortgage Loan Officer
Specialized Mortgage Programs
Home Purchase Loans (Miami & Florida home loans)
- Conventional loans (fixed-rate and ARM) for primary, second-home, and investment purchases
- FHA loans (low down payment options)
- VA loans (eligible veterans and active-duty service members)
- Jumbo loans for high-value properties above conforming limits
- Condo financing for buyers navigating condominium eligibility and approvals
Investor & Business-Purpose Financing
- DSCR loans for real estate investors (qualification based on rental cash flow)
- Fix-and-flip financing for value-add projects
- Bridge loans for time-sensitive purchases and transitions
- Ground-up construction loans for new builds
- Land loans for lot and land acquisition
- Commercial loans for business-purpose real estate financing
Self-Employed / Alternative Documentation (Non-QM loans)
- Bank statement loans
- 1099 loans
- P&L-based qualification
- Asset depletion / asset utilization loans
Equity & Refinance Solutions
- Rate-and-term refinance (reduce rate, improve terms, or shorten term)
- Cash-out refinance (access equity for renovations, debt consolidation, or new investments)
- HELOCs and second mortgages (tap equity while keeping the first mortgage in place)
- Down payment assistance programs (guidance for qualified buyers)
International Buyer Options
- Foreign national loans for non-U.S. citizens purchasing U.S. real estate
My Commitment to Clients
- Transparency: direct, plain-English explanations of rates, fees, and timelines
- Communication: responsive updates so you always know what’s next
- Care: each file is managed with the same urgency and attention I’d expect for my own home