OUR MELBOURNE, FLORIDA TEAM

NATASHA CARTAGENA SPENCER

While serving as Sr. Vice President of Shelter Mortgage’s Florida Operations, Natasha Cartagena Spencer has been an invaluable liaison to realtors and residential construction builders. Natasha has served on the board of FHBA since 2012 and was FHBA 2nd Vice President during 2020 at both the State and local levels. 

Natasha’s career in the residential mortgage lending industry has spanned over 26 years. Her areas of specialization have included builder and realtor relationships, origination, and development of mortgage products and services that ultimately enhance long-term business results. Widely regarded as a seasoned expert within the industry, Natasha also takes great pride in her involvement in community and philanthropic endeavors.

The Shelter Mortgage Team focuses on the unique financing experience provided by Shelter as a one-stop shop, providing in-house origination, processing, underwriting, and closing for our customers and referral partners.  We work diligently to nurture current realtor, builder, and customer relationships, ensuring credibility and trust for longevity of the relationship.  With each individual transaction we strive to make the American dream of homeownership a reality.  Give us a call today to get started on your residential mortgage application so we can determine your buying power.  We are your lifetime lender!

NATASHA CARTAGENA SPENCER

Sr. Vice President

NMLS # 552564

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BRIAN SPENCER

I am here to assist you with all your mortgage needs. I will help you consider a whole range of factors regarding your lending needs whether you’re purchasing your first home, a second home or refinancing. I will make every effort to simplify the lending process with step-by-step guidance from application to closing.

I am committed to providing you with the best customer service available. If you want to get started on a home loan, contact me today.

BRIAN SPENCER

Senior Loan Officer

NMLS # 803141

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KYLE STRACH

I am here to assist you with all your mortgage needs. I will help you consider a whole range of factors regarding your lending needs whether you're purchasing your first home, a second home or refinancing. I will make every effort to simplify the lending process with step-by-step guidance from application to closing.

I am committed to providing you with the best customer service available. If you want to get started on a home loan, contact me today.



KYLE STRACH

Loan Officer

NMLS # 1908556

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KENT WINKELSETH

I love helping people find the best way to finance the home of their dreams!

Shelter Mortgage offers many loan products, allowing me to find exactly the right program for you. I have tremendous experience helping borrowers in all types of situations: new home construction, first-time home-buyers, transfers, and relocations

My Team's goal is to provide our borrowers with great service and accurately disclosed figures, no one has surprises at closing.

We specialize in all types of home loans - First Time Homebuyer Programs, FHA, VA, Rural Housing and Conventional loans - we have many options to find the best loan program for you.

Approved Lender for State and County First Time Homebuyer Programs which includes down payment assistance options. 

To apply for a loan, simply click on the "Apply Now" button. I will be notified when you have completed the application & don't forget to let us know who referred you to me. It will be the first question that you are asked to answer. Thank you!

KENT WINKELSETH

VP/Production Manager

NMLS # 552527

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