Loan Options

Mortgages Are Not 

One-Size-Fits-All

There are a variety of loan options available for every situation. What’s most important

to us is finding a mortgage that’s right for you.

Loan Options

  • FHA Loan
  • Fixed Rate
  • Adjustable Rate Mortgage
  • VA Loan
  • USDA Loan
  • Renovation Loans
  • 15 Year Mortgage
  • 100% Financing
  • Jumbo Loans
  • Down Payment Assistance


FHA Loan

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

Conventional & Fixed Rate

Stick to your budget with a loan that’s simple and straightforward. A 30-year fixed rate mortgage is the most popular home loan option available. It is ideal for home buyers because of its straightforward structure and its predictable and steady monthly payment. With a 30 year fixed-rate mortgage, it is easy to set your budget because your total payment of principle and interest remain unchanged for the entire term of the loan.

  • Security and peace of mind with a monthly payment that does not change

  • Purchase your home with a down Payment as low as 3%

  • Interest remains unchanged for entire term of the loan

  • Ideal if you plan to stay in your home for years to come

Adjustable Rate

Take advantage of the lowest rates possible with an Adjustable Rate Mortgage. An adjustable rate mortgage, also referred to as an ARM or variable rate, is a loan option with a low introductory rate. The interest rate with this mortgage will adjust over time (typically 5 to 7 years). Depending on changes in the financial index associated with your loan, your monthly payment will either increase or decrease.

  • Take advantage of a low introductory mortgage rate

  • Enjoy low initial monthly payments

  • Ideal for those planning on moving within a few years

  • Pay off your mortgage with no penalties

VA Loans

A VA Loan lets you purchase your home with zero down and fewer restrictions. It’s designed specifically to help you purchase a home with fewer restrictions and with little to no down payment. The Veterans Affairs (or VA) loan is governed by the United States Department of Veterans’ Affairs and offers lower rates and lower payments.

  • 100% financing available

  • No monthly mortgage insurance

  • Lower interest rates and fees

  • Guaranteed by the VA

USDA Loan

You just might be surprised at how many areas in the United States are designated for USDA loans. The USDA (United States Department of Agriculture) loan, also known as a Rural Development loan is ideal for new home buyers purchasing a home in one of these designated USDA rural areas because of its low rates, no money down and 100% financing to qualified buyers. With zero required down payment this loan is perfect for home buyers who are concerned with funding and meeting the qualifying income requirements of a conventional loan.

  • No money down required

  • 100% financing available for qualified buyers

  • Take advantage of a lower interest rate

  • Own a home in a designated USDA area

Renovation Loans

Whether you’re buying a fixer upper or looking to add value to your current home, we’ve got the right loan option for your home improvement project.

  • Finance your home purchase and repairs in one loan

  • Low down payment options and credit score requirements

  • Build equity immediately after repairs are completed

  • Competitive interest rates compared to other loans

15 Year Mortgage

In a 15-year fixed rate mortgage, you will be able to take advantage of a lower interest rate than you would with a 30-year fixed rate mortgage and you’ll own your home quicker too! It is a great way to save! A lower interest rate and a shorter term means that you will save thousands in interest over the life of your loan.

  • Take advantage of a lower interest rate

  • Save thousands on interest over the life of your loan

  • Gain 3x the paid equity compared to a 30-year mortgage

  • Pay off your mortgage faster

100% Financing

Purchase your dream home with no money down. Homespire Mortgage is proud to offer our new 100% financing program to help you open the doors to homeownership. Our new 100% Financing Program is an affordable housing option created to help home buyers purchase a home with little to no investment. Eligible home buyers can receive down payment assistance.

  • Down payment assistance up to 3.5% amortized second mortgage

  • Minimum credit requirement of 640

  • 30 Year fixed FHA mortgage

  • No first-time home buyer requirement

Jumbo Loans

Dream bigger with a Jumbo Loan from Homespire Mortgage. If you're planning on purchasing a high-value property, you may consider a Jumbo Loan. At Homespire Mortgage, our Jumbo Loans allow 95% loan-to-value financing with loan amounts up to $2.5 million. Imagine a Jumbo Loan without the jumbo down payment!

Down Payment Assistance

Did you know there are over 2,500 down payment assistance programs nationwide that will give you free money for a down payment on your home? Homespire Mortgage is proud to participate with various federal, state, county, and city governments that offer down payment assistance programs for eligible home buyers. Talk with a Loan Officer to find out if you are eligible for any local programs and how much assistance you can receive for your down payment.

FHA Loan

FHA Loan

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

Fixed Rate

Conventional & Fixed Rate

Stick to your budget with a loan that’s simple and straightforward. A 30-year fixed rate mortgage is the most popular home loan option available. It is ideal for home buyers because of its straightforward structure and its predictable and steady monthly payment. With a 30 year fixed-rate mortgage, it is easy to set your budget because your total payment of principle and interest remain unchanged for the entire term of the loan.

  • Security and peace of mind with a monthly payment that does not change

  • Purchase your home with a down Payment as low as 3%

  • Interest remains unchanged for entire term of the loan

  • Ideal if you plan to stay in your home for years to come

Adjustable Rate Mortgage

Adjustable Rate

Take advantage of the lowest rates possible with an Adjustable Rate Mortgage. An adjustable rate mortgage, also referred to as an ARM or variable rate, is a loan option with a low introductory rate. The interest rate with this mortgage will adjust over time (typically 5 to 7 years). Depending on changes in the financial index associated with your loan, your monthly payment will either increase or decrease.

  • Take advantage of a low introductory mortgage rate
  • Enjoy low initial monthly payments
  • Ideal for those planning on moving within a few years
  • Pay off your mortgage with no penalties

VA Loan

VA Loans

A VA Loan lets you purchase your home with zero down and fewer restrictions. It’s designed specifically to help you purchase a home with fewer restrictions and with little to no down payment. The Veterans Affairs (or VA) loan is governed by the United States Department of Veterans’ Affairs and offers lower rates and lower payments.

  • 100% financing available

  • No monthly mortgage insurance

  • Lower interest rates and fees

  • Guaranteed by the VA

USDA Loan

USDA Loan

You just might be surprised at how many areas in the United States are designated for USDA loans. The USDA (United States Department of Agriculture) loan, also known as a Rural Development loan is ideal for new home buyers purchasing a home in one of these designated USDA rural areas because of its low rates, no money down and 100% financing to qualified buyers. With zero required down payment this loan is perfect for home buyers who are concerned with funding and meeting the qualifying income requirements of a conventional loan.

  • No money down required

  • 100% financing available for qualified buyers

  • Take advantage of a lower interest rate

  • Own a home in a designated USDA area

Renovation Loans

Renovation Loans

Whether you’re buying a fixer upper or looking to add value to your current home,
we’ve got the right loan option for your home improvement project.

  • Finance your home purchase and repairs in one loan

  • Low down payment options and credit score requirements

  • Build equity immediately after repairs are completed

  • Competitive interest rates compared to other loans

15 Year Mortgage

FHA LOAN

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

100% Financing

FHA LOAN

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

Jumbo Loans

FHA LOAN

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

Down Payment Assistance

FHA LOAN

The most popular loan option for first time homebuyers. Purchase your home with as little as 3.5% down with a Federal Housing Administration loan.

  • Only 3.5% down payment needed

  • Qualify with a credit score as low as 550

  • Take advantage of lower mortgage insurance premiums

  • Security of a government backed loan

Why Clients Love Us

We’ve helped thousands of homowners find a mortgage they can manage.

That’s why we’re a 5-Star rated lender on Zillow.

  • Homespire Mortgage Corp. Raelene was the most awesome and personable person to deal with. Will recommend her and Homespire to anyone that is looking to have a smooth transition.

    IN
    Irene Novick
    3 months ago

    Just so satisfied, plain and simple! This was somewhat a quick decision. We thought we were settled in our condo. Then we had a happy surprise when my Daughter had a little girl. They live in Grand Rapids. We lived in Chesterfield, w... read more

    r
    rockingchairmom
    3 months ago

    Excellent David was a pleasure to work with. He was very helpful, professional, and responsive all throughout our home purchasing process. Thank you David, we appreciate your attention.

    J
    Jessica427
    3 months ago
  • Couldn't be Happier We were referred to Ms. Wilber by our realtor and within hours we were pre-approved and moving on to the next step. Once we found the house, we were in such great shape within the process we were abl... read more

    MD
    Mike Deb
    3 months ago

    Very excellent service We are very happy with the experience we have had with Adrian . We are grateful for the fact that he gave us the best options to choose from and guided us to make the right choice. I will recommend hi... read more

    i
    ilciahernandez
    3 months ago

    Awesome service beginning to end! We refinanced our home with Erika. She was awesome.shetookcare of everything from start to finish, explained anything we were not clear on, was able to get us the best rates available, and even helped... read more

    P
    Parker
    3 months ago
  • My experience was amazing I really liked how he explained the numbers to me. I liked the fact that he listened to me and guided me in the right direction. I will recommened him to my family and friends!! Very happy with my exp... read more

    p
    patinacheco
    3 months ago

    The best office and people! Carlos and his team are very professional! They all went the extra mile to help me get this house. I’m so grateful for them. I worked with other lenders that were not helpful at all and the way Carlos... read more

    AA
    Armando Alarcon
    3 months ago

    It is literally impossible for me to recommend Troy B. more than what I already can! Troy was extremely helpful and professional throughout the entire loan process. Not only did he consistently communicate where we were in the "loan timeline", but went above and beyond my expectations... read more

    JC
    Jeff Conner
    3 months ago
  • I am very thankful to Monique and the entire Homespire team I am very thankful to Monique and the entire Homespire team. Monique did an awesome Job with letting me know what I needed in order for her and the team to get me to closing. I will definitely be usin... read more

    jt
    jermaine thompson
    3 months ago

    Great team Working with Michele was an absolute blessing. As first-time buyers, she walked us step by step through each process explaining every detail. She was very reliable through e-mail and phone, and never... read more

    N
    Natalia
    3 months ago

    Excellent!!! Monique was awesome to work with and I would recommend her to anyone looking for a mortgage! She was very diligent and she made things happen in a timely fashion which was very important!

    DJ
    David Jones
    3 months ago
  • Adrian A ciramellano Adrian is very efficient with great social skills and is well prepared in his field and offered lots of advice and help. He is also very professional

    e
    erickmonterrosa78
    3 months ago

    Highly Recommend Valentina was extremely responsive and fast. We had a very tight timeline which we were able to make thanks to her. As first time home buyers she was able to answer all of our questions.

    ss
    stephanie schwartzko
    3 months ago

    Great Lender Carlos was very helpful and easy to reach throughout the whole process. He answered all of our questions and made sure everything goes smoothly so we can close on time.

    j
    juanpgomez11
    3 months ago

Stop throwing away money on rent.

You may be able to own a home for as much as you
pay in rent. Let us do the math.

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