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.

    • Val was wonderful to work with, highly recommend! Val was wonderful to work with. She was extremely responsive and personable, and was able to get us pre-approved within 24 hours so we could submit an offer on a short deadline. As a first-time home b... read more

      J
      Jeff
      6 days ago

      Refinance Great team would definitely recommend to anyone that wants to make a purchase or refinance. I’ve been working with him ever since 2010 and I always come back to him to help me with mortgages.

      p
      pablomontas
      1 week ago

      Super Recommend!! Thank you David, your professionalism and knowledge is one of the best in your market, we have done a few transactions with you and Homespire and they all are the same, great service, smooth closing,... read more

      G
      Gabriel
      1 week ago
    • Great! Working with David was a great experience. He explained everything with detail and made the entire process fast and simple. We are very happy with our new mortgage, term and savings. Thank you so much... read more

      MC
      Mr. Carter
      1 week ago

      Best in the Biz I absolutely loved working with Valentina! She was so helpful throughout the process of buying my first home. It was a rather long journey looking for properties and getting pre-approval letters for a... read more

      EG
      Emma G
      2 weeks ago

      Great Loan Officer and Team Carlos is a great person at his job. His team would work on my loan and keep me updated on whatever stage my loan is. I would very recommend his team to anyone.

      J
      JcarlosArevalo
      2 weeks ago
    • Refinance Me encanto, el buen servicio y la atención.
      De homespire mortgage. Carlos Martínez
      Una excelente persona.
      Lo recomiendo 👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍

      WA
      Walter Alfaro
      2 weeks ago

      Work review He is amazing person to work with he is the best at his work I would recommended him because i got all the help I needed and he answered all my questions

      j
      jg108868
      2 weeks ago

      Adrian Adrian was very helpful and straightforward. He did an excellent job making me feel comfortable and answering all of my questions. I would highly recommend Adrian to anybody looking to refinance.

      j
      josemarquez3k
      1 month ago
    • Great Help and great Team Adrian was very great. Always let me know about the status of my loan and his team was just a great group of people. Very nice working with him. 100 percent recommend.

      j
      jose2013bran
      1 month ago

      Valentina was Fantastic! Valentina was truly exceptional from beginning to end throughout my homebuying process. She was efficient, made herself available at any time to answer questions, and communicating and explained thing... read more

      z
      zuser201605081321572
      1 month ago

      great to work with Valentina was great to work with as we bought our house. She was always very friendly and helped us through the sometimes intimidating process of buying a home. Her rates are some of the best I've eve... read more

      d
      dnardi12
      1 month ago
    • Smooth and easy Neil and his team where easy to work with, engaging, good communicators and their tech platforms easy to use. I can't recommend them enough. Thank you!

      A
      ABWB
      1 month ago

      Valentina was Exceptional! I was a first time home buyer who was new to the process and you can be sure that I had a LOT of questions. Val was able to not only answer them while working with me to get the best deal for my situ... read more

      BH
      Bennett H
      1 month ago

      Patrick was very communicative and made the whole stressful process as easy as it could possibly be Patrick was very communicative and made the whole stressful process as easy as it could possibly be. He was on top of everything and was great about letting us know where we were in the process, what... read more

      E
      Elizabeth
      1 month 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