Customized Loan Products for Every Need
At Lending Spot, we are committed to meeting your unique financial needs.
Backed by over 40 years of experience, we offer a variety of loan products tailored to help you achieve your goals. Explore our flexible options and find the right loan for you.
Our Loan Products
Home Equity Line of Credit (HELOC):
Perfect for: Homeowners looking to leverage their property’s equity for financial flexibility.
Our HELOC program provides access to funds as needed, competitive interest rates, and flexible repayment terms. Whether renovating your home, consolidating debt, or funding major expenses, LendingSpot offers a streamlined process, expert guidance, and personalized solutions to help you achieve your goals.
Conventional Loans
Our conventional loans offer flexible down payment options, competitive fixed and adjustable rates, and financing solutions tailored to your needs. Whether you’re applying for a $100,000 mortgage, refinancing, or purchasing an investment property, we provide versatile loan terms that align with your financial goals.
Foreign National
Our Foreign National Loan program offers flexible income documentation, competitive rates, and tailored terms. Whether purchasing a dream home, diversifying investments, or entering the U.S. real estate market, Lending Spot ensures a seamless experience with expert support and fast-track approvals.
Reverse Mortgage
Perfect for: Senior homeowners aged 62+, retirees seeking financial independence, and those looking to stay in their homes while unlocking equity.
Our Reverse Mortgage program provides tax-free cash, flexible payout options, and no monthly mortgage payments. Whether funding retirement dreams, covering expenses, or achieving peace of mind, Lending Spot simplifies the process with expert guidance and fast-track approvals.
Bank Statement Loan
Perfect for: Self-employed individuals, freelancers, and entrepreneurs seeking non-traditional mortgage solutions.
Our Bank Statement Loan program offers flexible financing, competitive rates, and tailored terms. Whether purchasing your dream home, a second property, or investing in real estate, Lending Spot simplifies the process with fast-track approvals, expert guidance, and a personalized approach to make homeownership a reality.
FHA Loans
Perfect for: First-time homebuyers, families with limited savings, and individuals with diverse credit histories
Our FHA loans offer government-backed security, low down payments starting at just 3.5%, and flexible credit requirements to make homeownership more accessible. Whether you’re buying your first home, refinancing, or seeking a budget-friendly mortgage option, our FHA loan solutions are designed to meet your needs and simplify your journey to owning a home.
Jumbo Loan
Our Jumbo Loan program offers tailored financing, competitive rates, and fast-track approvals to meet your unique goals. Whether purchasing a primary residence, a vacation home, or investing in high-value real estate, we simplify the process with expert guidance, ensuring your journey to luxury homeownership is seamless and achievable.
Down Payment Assistance
Perfect for: First-time homebuyers, families with limited savings, and individuals overcoming financial barriers.
Our Down Payment Assistance programs provide tailored financial support, expert guidance, and fast-track solutions to make homeownership affordable. Whether you’re buying your first home or seeking a budget-friendly option, we simplify your path to owning a home and turning dreams into reality.
Non-QM Alternative Programs
Perfect for: Self-employed individuals, investors, and those with non-traditional income or credit profiles.
Our Non-QM Alternative Programs offer tailored financing, flexible terms, and fast-track approvals to meet your unique needs. Whether investing, refinancing, or purchasing a property, we simplify your journey with expert guidance, making real estate financing accessible and achievable.
Why Choose Lending Spot?
- Competitive interest rates: Keep monthly payments affordable, whether financing or refinancing a $100,000 mortgage.
- Flexible options: Our loan products are tailored to your unique financial situation.
- Transparency: Enjoy a straightforward process with tools to calculate and plan your payments.
- Decades of experience: Over 40 years of trusted service in the mortgage industry.
Client Testimonials
Our clients’ successes inspire us. Here’s what they have to say
I am eternally grateful with Maricel Santiesteban and Elena Reyes who demonstrated professionalism and gave us peace of mind through the whole process, I would definetly recommend her so you to can make your home buying dream come true. I am sorry that I did not realize my review but there are not enough stars for this one”
Frequently Asked Questions (FAQ)
How can I calculate the monthly payment for a $100,000 mortgage?
Use our mortgage calculator to estimate your monthly payment based on terms and interest rates.
Which loan is best for a $100,000 property?
It depends on your financial goals. FHA loans work well for first-time buyers, while conventional loans offer flexibility for experienced homeowners.
Can I refinance an existing loan?
Yes! Our refinancing loans help reduce rates, adjust repayment terms, or unlock equity for other needs.
Take the Next Step Today
Financing your home is easy with Lending Spot. Explore our tools, calculate your loan, and speak to an advisor to start your journey today.