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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Privacy Policy

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.

  • Outstanding Customer Service Mrs. McLaughlin was very professional and knowledgeable of her job. She always addressed my questions and concerns in a timely matter. I am pleased with the customer service I received from her and he... read more

    DG
    Defferson Graham
    3 days ago

    Would highly recommend I had a very pleasant refinancing of my home with Juan. He did a fabulous job on keeping me up to date on the whole process which went very smoothly. I would definitely use Juan again in the future if... read more

    K
    Kim
    3 days ago

    Fast and Easy Loan! Val Wilber is an excellent home loan consultant. She and her Homespire team offered an incredibly low rate on our loan, and she took us from our purchase offer to settlement in only a couple of weeks... read more

    A
    Aaron S.
    5 days ago
  • Professional and very helpful She was recommended by my realtor who was also awesome. I was lucky enough to meet her and her team and made my home buying experience stress-free as much as possible. Some glitches are expected in ... read more

    k
    karen
    1 week ago

    Great Job Wow. I cannot speak highly enough of the job Juan and his team did to help my family accomplish the dream of being our first house. He was very open and and honest for the very beginning and guided us... read more

    A
    Argenis
    2 weeks ago

    First Time Home Buyer My experience with Homespire was wonderful, from start to finish. Alan and his team were able to secure my loan in an incredibly short amount of time, remaining professional, communicative, and organi... read more

    T
    Tess
    2 weeks ago
  • Kendell made the lending process so easy!! Working with Kendell was amazing!! We just purchased our second home and I can’t tell you how easy it was to work with him. From the very first phone call, he was very helpful! He told us what we need... read more

    z
    zuser201504191528396
    2 weeks ago

    Erika and her team gets it done! I switched to Erika as my lender a couple weeks before closing and it was the best decision I ever made. My other lender was saying that closing on my desired date was not even an option and Erika mad... read more

    s
    samantharea95
    2 weeks ago

    Outstanding service! Valentina provided outstanding service from the very first call through the closing of the transaction! She and her team were very professional, maintained us informed through the process, and proacti... read more

    JG
    Jaime Gutierrez
    2 weeks ago
  • Wonderful home buying experience with Valentina! Valentina was incredibly professional and extremely responsive throughout the process. This is my second time purchasing a home and what a difference! I felt so well taken care of by Valentina and her... read more

    S
    Samira
    2 weeks ago

    It was a great experience, Aleyda answered all my questions and made me feel very comfortable buying mi house, very respectful person and very professional It was a great experience, Aleyda answered all my questions and made me feel very comfortable buying mi house, very respectful person and very professional . Me and my family are SUPER happy for a... read more

    e
    ebervi10
    2 weeks ago

    Trustworthy. This is my 4th refinancing with Adrian, I have always obtained a friendly, fast and efficient service. Adrian is a person who understands and works with clients' needs.

    n
    nanfer572
    2 weeks ago
  • exceptional Loan Officer I am very thankful for JJ’s exceptionally professional, responsive, honest, and beyond what I was expecting with his assistance with my home mortgage loan process from beginning to end. JJ was very at... read more

    DC
    Dr. Chere
    2 weeks ago

    Great deal Stress free process unlike other mortgage lending companies that I have had to deal with in the past. They got me the best rates possible in today's market without me having to haggle at all.

    SG
    Sagar Ghamandi
    2 weeks ago

    happy buyers we worked with Neil to buy our first house. we were impressed by his speed, dedication and work ethics. He was available on weekends and evenings during this competitive and crazy season in real esta... read more

    n
    naghmeh85
    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