---
canonical_url: https://lendb.ai/lo/michelle-spera-1952548
json_url: https://lendb.ai/lo/michelle-spera-1952548.json
nmls_id: 1952548
last_verified: 2026-10-09
---

# Michelle Spera

Originating LOA at Guild Mortgage, Vero Beach, FL. NMLS ID 1952548 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952548)).

**Summary:** Michelle Spera (NMLS 1952548) is Originating LOA at Guild Mortgage, based in Vero Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO89456). Speaks Spanish. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Michelle is bilingual in English and Spanish and is passionate about helping clients feel confident and supported throughout the home financing process.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO89456 | active | confirmed | 2021-06-14 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Vero Beach, FL. Source: https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952548

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html
- Office phone and Email on file: shown at https://lendb.ai/lo/michelle-spera-1952548#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1952548
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://branches.guildmortgage.com/fl/verobeach/michelle-spera-299-hpmsp.html

Cite as: Michelle Spera (NMLS 1952548), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/michelle-spera-1952548, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._