Languages · North Carolina
Spanish-speaking loan officers in North Carolina
As of 2026-10-26, LenDb lists 57 loan officers licensed in or based in North Carolina whose lender pages say they speak Spanish. The top-ranked are Andy Garcia (TowneBank Mortgage, Charlotte), Gustavo Castillo (ALCOVA Mortgage, Charlotte) and Jessica Belmontes (Guild Mortgage, Raleigh). Ranking is lender-neutral: a license in NC, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.
Last verified . Sources: loan officers' own lender pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Andy GarciaNMLS 851891
TowneBank Mortgage · Bank · Charlotte, NC
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-20)
- Office in Charlotte, NC
- States 15 years of experience (lender page, 2026-10-20)
- 2
Gustavo CastilloNMLS 1251455
ALCOVA Mortgage · Charlotte, NC · licensed in 2 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Charlotte, NC
- Earliest state license record: April 6, 2016 (Florida), per state regulator
- 3
Jessica BelmontesNMLS 437553
Guild Mortgage · Raleigh, NC · licensed in 4 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-19)
- Office in Raleigh, NC
- Earliest state license record: June 19, 2018 (Florida), per state regulator
- 4
Nick RiosNMLS 1997670
CrossCountry Mortgage · Wilmington, NC · licensed in 3 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Office in Wilmington, NC
- Earliest state license record: November 3, 2022 (Florida), per state regulator
- 5
Denise MedinaNMLS 1918315
Union Home Mortgage · Fayetteville, NC · licensed in 3 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-14)
- Office in Fayetteville, NC
- Earliest state license record: August 16, 2023 (Texas), per state regulator
- 6
Jorge PosadaNMLS 206531
The Mortgage Link, Inc. · Rockville, MD · licensed in 9 states
- FHA loan
- USDA loan
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Earliest state license record: May 31, 2018 (Florida), per state regulator
- States 21 years of experience (lender page, 2026-10-15)
- 7
John HarrisonNMLS 310820
Guaranteed Rate Affinity, LLC · Murray, UT · licensed in 8 states
- First-time buyer
- Real estate investor
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Earliest state license record: June 3, 2026 (Florida), per state regulator
- States 29 years of experience (lender page, 2026-10-15)
- 8
Luis KercadoNMLS 661857
CrossCountry Mortgage · Tequesta, FL · licensed in 10 states
- Real estate investor
- FHA loan
- Refinance
- HELOC
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-26)
- Earliest state license record: January 22, 2025 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 9
Gina MyersNMLS 898712
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Non-QM loan
- VA loan
- First-time buyer
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 10
Christina McCollumNMLS 1398321
Churchill Mortgage · Kennewick, WA · licensed in 22 states
- Construction loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-20)
- Earliest state license record: February 6, 2017 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 11
Cassandra CappasNMLS 2581020
Copeland Mortgage Company · Fayetteville, NC · licensed in 2 states
- FHA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-15)
- Office in Fayetteville, NC
- 12
Itzel Castro-SantibanezNMLS 2712528
CrossCountry Mortgage · Burlington, NC
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Burlington, NC
- 13
Cristina OsborneNMLS 53489
ALCOVA Mortgage · Raleigh, NC
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Raleigh, NC
- 14
Eddie VeraNMLS 63684
ALCOVA Mortgage · Greenville, NC · licensed in 2 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Greenville, NC
- 15
Andrea Jimenez KullmanNMLS 65157
Homestead Funding · Albany, NY · licensed in 7 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Earliest state license record: July 7, 2017 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 16
Rebecca GonzalezNMLS 842137
ALCOVA Mortgage · Mt. Pleasant, NC · licensed in 2 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Mt. Pleasant, NC
- 17
Pamela WestonNMLS 1623799
Top Flite Financial, Inc. · Charlotte, NC · licensed in 2 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Charlotte, NC
- 18
Alexander CardosoNMLS 363184
Loan Factory · Mortgage broker · Medford, NJ · licensed in 10 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: October 18, 2022 (Florida), per state regulator
- States 27 years of experience (lender page, 2026-10-09)
- 19
Francisco Javier RamirezNMLS 2462174
Loan Factory · Mortgage broker · licensed in 3 states
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Speaks Spanish (lender page, verified 2026-10-09)
- Earliest state license record: April 24, 2023 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 20
Marta TatajeNMLS 659140
Truist Bank · Bank · Pineville, NC
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Pineville, NC
- 21
Karla WilhelmNMLS 1523800
Truist Bank · Bank · Greensboro, NC
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Greensboro, NC
- 22
David E AponteNMLS 17247
JPMorgan Chase Bank (Chase Home Lending) · Bank · Huntersville, NC
- VA loan
- Vacation home
- FHA loan
- Self-employed
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-26)
- Office in Huntersville, NC
- 23
Ernest SigalaNMLS 334316
Truist Bank · Bank · Chapel Hill, NC
- VA loan
- First-time buyer
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Chapel Hill, NC
- 24
George TreminioNMLS 1709868
Truist Bank · Bank · Lumberton, NC
- VA loan
- First-time buyer
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Lumberton, NC
- 25
Josue CarbajalNMLS 2150974
Truist Bank · Bank · Greensboro, NC
- Physician and medical professional
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Speaks Spanish (lender page, verified 2026-10-21)
- Office in Greensboro, NC
How this list is ranked
A loan officer is listed when their own lender page lists Spanish. Loan officers are included when a NC license is confirmed with the state regulator (check mark), NC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience and profile completeness. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?lang=es&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.