--- canonical_url: https://lendb.ai/lang/es/north-carolina last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Andy Garcia](https://lendb.ai/lo/andy-garcia-851891)** (NMLS 851891), TowneBank Mortgage, Charlotte, NC - Speaks Spanish (lender page, verified 2026-10-20) - Office in Charlotte, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-20) 2. **[Gustavo Castillo](https://lendb.ai/lo/gustavo-castillo-1251455)** (NMLS 1251455), ALCOVA Mortgage, Charlotte, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Charlotte, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 6, 2016 (Florida), per state regulator 3. **[Jessica Belmontes](https://lendb.ai/lo/jessica-belmontes-437553)** (NMLS 437553), Guild Mortgage, Raleigh, NC - Speaks Spanish (lender page, verified 2026-10-19) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 19, 2018 (Florida), per state regulator 4. **[Nick Rios](https://lendb.ai/lo/nicolas-rios-1997670)** (NMLS 1997670), CrossCountry Mortgage, Wilmington, NC - Speaks Spanish (lender page, verified 2026-10-09) - Office in Wilmington, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2022 (Florida), per state regulator 5. **[Denise Medina](https://lendb.ai/lo/denise-medina-1918315)** (NMLS 1918315), Union Home Mortgage, Fayetteville, NC - Speaks Spanish (lender page, verified 2026-10-14) - Office in Fayetteville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 16, 2023 (Texas), per state regulator 6. **[Jorge Posada](https://lendb.ai/lo/jorge-posada-206531)** (NMLS 206531), The Mortgage Link, Inc., Rockville, MD - Speaks Spanish (lender page, verified 2026-10-15) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 31, 2018 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-15) 7. **[John Harrison](https://lendb.ai/lo/john-harrison-310820)** (NMLS 310820), Guaranteed Rate Affinity, LLC, Murray, UT - Speaks Spanish (lender page, verified 2026-10-15) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 3, 2026 (Florida), per state regulator - States 29 years of experience (lender page, 2026-10-15) 8. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Speaks Spanish (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 22, 2025 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-26) 9. **[Gina Myers](https://lendb.ai/lo/gina-myers-898712)** (NMLS 898712), CrossCountry Mortgage, Fairfax, VA - Speaks Spanish (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 10. **[Christina McCollum](https://lendb.ai/lo/christina-mccollum-1398321)** (NMLS 1398321), Churchill Mortgage, Kennewick, WA - Speaks Spanish (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 6, 2017 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-20) 11. **[Cassandra Cappas](https://lendb.ai/lo/cassandra-cappas-2581020)** (NMLS 2581020), Copeland Mortgage Company, Fayetteville, NC - Speaks Spanish (lender page, verified 2026-10-15) - Office in Fayetteville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Itzel Castro-Santibanez](https://lendb.ai/lo/itzel-castro-santibanez-2712528)** (NMLS 2712528), CrossCountry Mortgage, Burlington, NC - Speaks Spanish (lender page, verified 2026-10-26) - Office in Burlington, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Cristina Osborne](https://lendb.ai/lo/cristina-osborne-53489)** (NMLS 53489), ALCOVA Mortgage, Raleigh, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Eddie Vera](https://lendb.ai/lo/eddie-vera-63684)** (NMLS 63684), ALCOVA Mortgage, Greenville, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Greenville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Andrea Jimenez Kullman](https://lendb.ai/lo/andrea-kullman-65157)** (NMLS 65157), Homestead Funding, Albany, NY - Speaks Spanish (lender page, verified 2026-10-21) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 7, 2017 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 16. **[Rebecca Gonzalez](https://lendb.ai/lo/rebecca-gonzalez-842137)** (NMLS 842137), ALCOVA Mortgage, Mt. Pleasant, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Mt. Pleasant, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Pamela Weston](https://lendb.ai/lo/pamela-weston-1623799)** (NMLS 1623799), Top Flite Financial, Inc., Charlotte, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Charlotte, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Alexander Cardoso](https://lendb.ai/lo/alexander-cardoso-363184)** (NMLS 363184), Loan Factory, Medford, NJ - Speaks Spanish (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 18, 2022 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-09) 19. **[Francisco Javier Ramirez](https://lendb.ai/lo/francisco-javier-ramirez-2462174)** (NMLS 2462174), Loan Factory - Speaks Spanish (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 24, 2023 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-09) 20. **[Marta Tataje](https://lendb.ai/lo/marta-tataje-659140)** (NMLS 659140), Truist Bank, Pineville, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Pineville, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Karla Wilhelm](https://lendb.ai/lo/karla-wilhelm-1523800)** (NMLS 1523800), Truist Bank, Greensboro, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Greensboro, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[David E Aponte](https://lendb.ai/lo/david-e-aponte-17247)** (NMLS 17247), JPMorgan Chase Bank (Chase Home Lending), Huntersville, NC - Speaks Spanish (lender page, verified 2026-10-26) - Office in Huntersville, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Ernest Sigala](https://lendb.ai/lo/ernest-sigala-334316)** (NMLS 334316), Truist Bank, Chapel Hill, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Chapel Hill, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[George Treminio](https://lendb.ai/lo/george-treminio-1709868)** (NMLS 1709868), Truist Bank, Lumberton, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Lumberton, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Josue Carbajal](https://lendb.ai/lo/josue-carbajal-2150974)** (NMLS 2150974), Truist Bank, Greensboro, NC - Speaks Spanish (lender page, verified 2026-10-21) - Office in Greensboro, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS Cite as: LenDb.ai, https://lendb.ai/lang/es/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._