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Shelter Mortgage Company
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OUR MELBOURNE, FLORIDA TEAM

NATASHA CARTAGENA SPENCER

NATASHA CARTAGENA SPENCER

Lending Manager

NMLS # 552564

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BRIAN SPENCER

BRIAN SPENCER

Senior Loan Officer

NMLS # 803141

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About Us

Shelter Mortgage Company is a full-service mortgage lender. Whether you are a first-time buyer or experienced homeowner, we are the professionals who make a difference in the mortgage industry.

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(855) 922-1350

Shelter Mortgage Company, LLC

1245 Cheyenne Avenue, Suite 304B/304C
Grafton, WI 53024

Shelter Mortgage Company, LLC | Terms of Use | Licensing | Privacy | Accessibility | Contact | Careers

*Closing cost offer available to customers who submit an application for a purchase loan. Only available for single family primary residences and current customers serviced by Newrez. Closing cost offer available to customers who apply for a new purchase loan. Only available for single family primary residences. Credit provided at closing. The offer is nontransferable and can only be used by the intended recipient. Advertised discount can only be applied toward payment of closing costs up to a total amount of $1,000 subject to product underwriting guidelines. Any portion of the discount amount not used toward closing costs will be waived.

**A pre-approval does not signify that all underwriting requirements have been met. Actual terms, including interest rate, are subject to change without prior notice and may vary based on eligibility criteria. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Please contact Shelter Mortgage Company for additional details.

***Lock & Shop Program is for borrowers with a PowerBuyer Certification**. The lock will be honored for 75 days total. Consumers must initiate a mortgage loan application for a specific property and be under purchase contract for the property at least 45 days prior to lock expiration to extend the locked rate. All rate lock extensions are subject to Shelter Mortgage Company’s standard rate lock extension fees. Not available for all loan products. Please contact Shelter Mortgage Company for additional details.

****Shelter Mortgage Company agrees to pay the borrower the amount of the earnest money deposit (up to $2,500) following the home loan closing, if the loan does not close on or before the contract closing date due to a delay caused by Shelter Mortgage Company. Void if there are any material changes to income or assets. Offer requires 30 business days from Shelter Mortgage Company’s receipt of purchase contract to closing date. Other requirements include: minimum 700 credit score, owner occupied purchase transaction. LTV and property type restrictions may apply. Available only through Shelter Mortgage Company. Payment may be subject to reporting for tax purposes. Please contact Shelter Mortgage Company for additional details.

Freddie Mac BorrowSmart Access^SM and Affordable Seconds^® are registered trademarks of Federal Home Loan Mortgage Corporation. Geographic restrictions apply.

© 2023 Shelter Mortgage Company, L.L.C. 1245 Cheyenne Avenue Suite 304B/304C Grafton, WI 53024. NMLS #431223 (www.nmlsconsumeraccess.org). This is not a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting, and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.