Your loan application process can be difficult to comprehend without the right people helping you figure it out. You might not be sure what type of purchase loan is right for you. How much of a down payment do you need? What are the credit score requirements? Spire Financial (A Division of V.I.P. Mortgage, Inc.) has the team and financial tools to ensure you are confident in whatever decisions you ultimately make. Spire Financial is happy to provide expert loan services on everything from conventional home loans and VA loans to FHA and DPA loans.
Affordable 15-Year or 30-Year Mortgage Options
Not every purchase loan is right for every buyer, which is why we specialize in 15 and 30-year mortgage terms. Many buyers struggle with the question: is a short term loan best or should I go for the longest one that spreads the loan over 30 years of payments? If you can come up with a significant down payment, then 15-year fixed rates could be right for you, as you’ll pay less over the life of the loan. Not to worry if you can’t come up with a sizeable down payment, as a 30-year fixed term can ensure you get the property you desire. The major benefit to a fixed home loan is your rate is fixed and cannot go up during the whole life of the loan.
FHA Loans for First Time Home Buyers
The Federal Housing Authority, or the FHA, was created to assist first time home buyers. FHA loans are popular among new homeowners because they don’t require large down payments or perfect credit. There are several big advantages to FHA Loans, including low down payments, low closing costs, easy credit qualifications, reverse mortgage options, and loans for manufactured housing and mobile homes.
Spire Financial brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.
Other Locations for Purchase Loans
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Colorado
Purchase Loans in Colorado- Purchase Loans in Arvada, CO
- Purchase Loans in Aurora, CO
- Purchase Loans in Boulder, CO
- Purchase Loans in Brighton, CO
- Purchase Loans in Broomfield, CO
- Purchase Loans in Castle Pines, CO
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- Purchase Loans in Centennial, CO
- Purchase Loans in Cherry Creek, CO
- Purchase Loans in Cherry Hills Village, CO
- Purchase Loans in Commerce City, CO
- Purchase Loans in Denver, CO
- Purchase Loans in Englewood, CO
- Purchase Loans in Golden, CO
- Purchase Loans in Greenwood Village, CO
- Purchase Loans in Henderson, CO
- Purchase Loans in Highlands Ranch, CO
- Purchase Loans in Lafayette, CO
- Purchase Loans in Lakewood, CO
- Purchase Loans in Littleton, CO
- Purchase Loans in Lone Tree, CO
- Purchase Loans in Morrison, CO
- Purchase Loans in Westminster, CO
- Purchase Loans in Wheat Ridge, CO
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Minnesota
Purchase Loans in Minnesota- Purchase Loans in Anoka, MN
- Purchase Loans in Brooklyn Center, MN
- Purchase Loans in Chaska, MN
- Purchase Loans in Columbia Heights, MN
- Purchase Loans in Crystal, MN
- Purchase Loans in Edina, MN
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- Purchase Loans in Minneapolis, MN
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- Purchase Loans in New Brighton, MN
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Texas
Purchase Loans in Texas- Purchase Loans in Anderson Mill, TX
- Purchase Loans in Austin, TX
- Purchase Loans in Beeville, TX
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- Purchase Loans in Universal City, TX
- Purchase Loans in Wimberley, TX