Regarding
gringo in my experience it depends on the context and yes, some people may use it with the intent to offend. While theories vary about the origin, in very broad terms it does refer to a specific group of foreigners (specifically when referring to foreigners in Latin America or from a cultural perspective meaning someone that is not from Latin or Spanish culture). Not all foreigners are referred to as
gringo.
https://definicion.de/gringo/
Regarding
latino being used in English, I have never considered researching when it became used in the language but it is definitely a borrowed word that is used commonly. I am just one person but I use it in English. If someone asks me about a person’s background I say the person is
Latino or Latin. Usage could be more regional for this word as well.
-MP.