I’m Ramon (Ray) Guerra, a seasoned Mortgage Loan Originator currently thriving at Lending Spot. Based in the sunny locale of Miami, Florida, I’ve dedicated my career to making the dream of homeownership a reality for individuals and families alike. With my robust background, including a License as a Loan Originator from the State of Florida (NMLS #1252070), I’m well-equipped to guide you through the complexities of mortgage planning and execution.
Professional Snapshot:
- 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.
- Industry Veteran: Boasting 31 years in the financing realm, I specialize in a range of services from conventional, FHA, and VA loans to intricate down payment assistance programs in Florida. My vast experience allows me to provide clients with the most suitable finance options.
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:
- Proficient in loan origination and U.S. Federal Housing Authority (FHA) regulations.
- Experienced in structuring loans under FNMA, FHLMC, FHA, VA, Jumbo, and Foreign National Guidelines.
- 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 Connect:
If you’re navigating the waters of mortgage options, or simply seeking advice on your next steps towards homeownership, I’d love to hear from you. Let’s work together to find the right mortgage solution that turns your dream home into a reality