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About me

I have over 30 years of mortgage lending experience here in Florida. I work with many new home builders, realtors, repeat clients, and referrals which are always greatly appreciated.Read more

I have over 30 years of mortgage lending experience here in Florida. I work with many new home builders, realtors, repeat clients, and referrals which are always greatly appreciated. I am a member of the Treasure Coast Builders Association, a current and past President's Club and Executive Club Member at Guild Mortgage along with being listed as one of the Top 100 mortgage originators multiple years in a row by Scotsman Guide. I specialize in new construction loans, FHA loans, conventional loans, VA loans, USDA loans and jumbo residential loans. In addition, I offer a wide variety of creative products that are non-conventional when needed. I have a wonderful team, who I have worked with for many years. My team and I are committed to delivering client-focused service, to ensure a seamless and efficient home-buying experience. I also control the entire loan process from beginning to end. Whether you are purchasing or refinancing, I can help you obtain your goals with a broad portfolio of products and competitive mortgage rates.

Let me and my team help you achieve your goals, whether it's getting into your dream home, purchasing a vacation home, or investing in a property! Call or text me at 561-212-3849 or to get started, fill out my online application link by clicking the Apply Now button. 

Awards

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Causes and Memberships

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Testimonials

4.92 (582 reviews)
Zillow logo
4.9
Experience logo
4.9
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5.0
Third party logo
5.0
Easy transaction with great communication throughout.
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Matthew

Mar 2, 2026

Vero Beach, FL

Very helpful and easy to work with. They are great with communication and made the experience and transition very smooth
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Life A.

Feb 28, 2026

Meet our team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Michelle Spera

Originating Loan Officer Assistant | NMLS# 1952548

Hablo Español

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #306250

I am authorized to do business in the state of Florida.

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Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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