Zero Lender Fees* for Healthcare
Heroes

To our community’s healthcare heroes, we say thank you! Homespire Mortgage is proud to offer Zero Lender Fees to Doctors, Nurses, and Medical Professionals working in the battle against COVID-19.

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Minimum loan amount of $100,000 required. Purchase loans only. Lender fees are to be paid by Homespire Mortgage. Applications must be received between June 29th, 2020 – December 31st, 2020. Eligibility for a loan or extension of credit from Homespire Mortgage Corporation is subject to completion of a loan application, credit, income and employment qualification and meeting established underwriting criteria. Rates are subject to change without notice based on market conditions.

Homeownership for Healthcare Heroes

Our exclusive Homeownership for Healthcare Heroes Program provides special savings to eligible Doctors, Nurses, Home Healthcare Workers and Administrative Professionals working in doctor’s offices, hospitals and nursing homes.

Thank You!

Thank you to our community
heroes who fought while we stayed
home. Now, let us show our
immense gratitude and help you to
move into yours.

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. View all.

  • Amazing service Carlos was very professional. Always ready to answer my phone calls, this is the 3rd loan he works on with my family. If I had to go through this process again Carlos would be my first choice in the l... read more

    EA
    Estela Argueta
    1 week ago

    Professional In Every Sense Valentia Wilbur is one of the best Loan Professionals I have worked with. She is hard working, honest and knowledgeable about the various loan programs available in the marketplace. I would recommen... read more

    s
    sbg780959
    1 week ago

    Melissa Hill I can’t say enough about Melissa Hill. She put the “P” in professionalism and patience. She walked me through the loan process with ease. Communication is the key and she always answered my phone call... read more

    CE
    Cynthia K Evans
    1 week ago
  • Amazing service! A must have for your home-buying team! For a first time home buyer I had lots of concerns and questions. Val was not only honest and helpful, she made herself available even after hours to answer any questions I had. She was there for me e... read more

    CS
    Christopher Stepps
    1 week ago

    Grateful Customer We are very garateful for JJ and his team at Homesspire Mortgage Corp. They got us a great deal on loan and they process went smoothly, with great communication and no hiccups.

    PE
    Paolo D Esposito
    1 week ago

    Highly Recommend Valentina was very helpful and knowledgeable. She help explain all the various costs and gave us options. She is also very quick to respond and assist with questions and was flexible communicating wit... read more

    z
    zuser201406121638031
    1 week ago
  • Short Closing Period (14 days!) and Best Rates (He beat out a 2.85% from another lender) Neil was simply extraordinary from start to end. Given the short window (14 days!) we needed to close, he was able to get us there, get us some of the best rates and his team was with us all the way t... read more

    R
    Rodney
    1 week ago

    Above and Beyond Monique and her team went above and beyond for my wife and I, even with a couple of minor setbacks stemming from competing mortgage companies. They were able to fund our mortgage loan and payoff some ... read more

    ET
    Eric Tolentino
    1 week ago

    Stress Free Home Purchase Everyone told me buying a home was stressful and a task! Valentina and her team were AMAZING! It was so simple and easy! They took care of everything and only contacted me when they needed something. ... read more

    SB
    Sara Butcher
    2 weeks ago
  • Excellent Rates Excellent rate . Pricing was great ,it took just 3 weeks or less to close the Home.
    When you shopping for a mortgage my recommendation is for someone the explain all the process and also to understand...
    read more

    JG
    Jorge Andres Gutierr
    2 weeks ago

    When we met Aldryn and his team we were very skeptical When we met Aldryn and his team we were very skeptical. We've been in the process of purchasing our first home for over 2 years and had already worked with 2 different lenders that were not able to c... read more

    AC
    A. Castillo
    2 weeks ago

    Best Experience. Carlos Martinez made sure all items were done in a orderly/timely manner. I would definitely recommend Carlos Martinez services to anyone in the area.

    i
    iansrocket1
    2 weeks ago
  • Professionalism and attention to detail Refinancing can be overwhelming but my experience was very pleasant and professional. The loan officer helped me navigate through this process and went the extra mile to ensure all documents needed wa... read more

    I
    Ivandro
    2 weeks ago

    Honesty and efficiency Excellence, friendliness and guarantee of good results. Always following up on all requirements and answering my questions. Thanks for all your help...

    u
    user935683
    2 weeks ago

    J. Farias The experience was great because Juan Farias was very focused on his job, he was always available, he demonstrated knowledge in his work and he was very reliable. Juan is a trustworthy person who you... read more

    M
    MSSR
    3 weeks ago

Loan Options

Maybe you’re a first time homebuyer. Or maybe you’re ready to move into your dream home.

Either way, we’ve got a variety of loan options for every situation.

  • FHA Loan
  • Fixed Rate
  • Adjustable Rate Mortgage
  • VA Loan
  • USDA Loan
  • Renovation 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

  • Fewer restrictions make it easier to qualify

  • Insured by the Federal Housing Administration

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

  • Fewer credit restrictions

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.

Cash Out Refinance

Take advantage of your home’s equity and get cash at closing to use where you need it most with a cash-out refinance. This is money that’s sitting in your home! This may be the perfect opportunity to knock out some home improvements, pay college tuition, or pay off high interest credit card debt.

  • Mortgage debt can be repaid over a longer period of time (up to 30 years) compared to other debts like medical expenses, credit cards, and student loans.

  • With home values on the rise, tapping into your existing equity could mean more cash in hand than you expected when you first bought your home.

  • Mortgage interest is tax-deductible, by consolidating other debts into your mortgage you may be able to deduct the interest paid on it.

Debt Consolidation Refinance

A debt-consolidation refinance allows you to move all your debt to one place: your mortgage. Get rid of deferring due dates and put all your debt in one low monthly payment.

  • Take advantage of low mortgage rates and pay off your higher-interest debt with a ‘cash out’ refinance.

  • Move all your debt to one place: your mortgage. Get rid of deferring due dates and put all your debt in one low monthly payment.

  • Get rid of high-interest on credit card debt. You’ll end up paying much less each month and in many cases, the interest is usually tax deductible.

Streamline Refinance

It’s easy and straightforward to lower your monthly payment. Take advantage of today’s low mortgage rates and put more money back in your pockets! Just a small reduction on your mortgage rate can significantly lower your monthly mortgage payment.

  • Refinancing to a lower rate means that you will enjoy a lower monthly payment

  • Just a small reduction on your mortgage rate can significantly lower your monthly mortgage payment

  • Refinancing changes the terms of your mortgage which can also save you money in the long-run

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