Natasha Cartagena Spencer

While serving as Vice President and Branch Manager of Shelter Mortgage’s Florida Operations, my focus has been on building a high-performing, resilient team. I’m proud to say that through dedication, collaboration, and a shared commitment to excellence, we’ve grown stronger and more capable with every challenge. Our success is a testament to the hard work and partnership among our team and the clients we serve. As I often say, “The effort of one does not drive ultimate success. It is the efforts of one united team.”

With over 28 years of experience in the residential mortgage lending industry, I specialize in builder and realtor relationships, including origination and development of mortgage products and services that ultimately enhance long-term business results. I’ve had the privilege of managing teams in Alabama, Oklahoma, South Carolina, Texas, and my home base of Florida. My team will certainly tell you that I live by the belief that success is built through unity and collaboration.

Our team focuses on the unique financing experience provided by Shelter as a one-stop shop, offering in-house origination, processing, underwriting, closing, and servicing for our customers and partners. The Shelter Mortgage Team works diligently to nurture current builder, realtor, and customer relationships, ensuring credibility and trust time and time again.

While the mortgage lending industry is a major part of my professional career, I have also invested much of my time in supporting local community organizations to benefit residents, their families, and local businesses. This commitment to both professional excellence and community involvement continues to drive my purpose and passion.