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Real Estate Center

The SPIRE Credit Union Real Estate Center is with you at every turn of the home buying and selling process.

With exclusive free access to MLS listings, a network of experienced agents, and potential reward at closing, your new home starts at SPIRE.

 

Take advantage of this free online Real Estate service for SPIRE members.

Join HomeAdvantage® for free and get tips on how to buy and sell your home, get email alerts when your dream home becomes available, and find a real estate agent you can trust. You may even be eligible for a HomeAdvantage Cash Rewards at closing!*

Enroll in HomeAdvantage

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Your loan stays local with our local loan officers.
Experience the SPIRE difference today.
Apply Now
Meet Your Loan Officer

Book an Appointment at a SPIRE Branch

Start Finding Your Dream Home. SPIRE is with you at every stage.

Get Pre-Approved

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Get pre-approved as soon as you begin your home search. Let SPIRE help you find out just how much house you can afford.
Explore Mortgage Loan Options

Search for a House

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Find your next home by searching MLS listings free free through HomeAdvantage. Get email alerts when new properties become available.
Search the MLS

Find an Agent

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Select a local experienced real estate agent you can trust to help you buy or sell your home from the HomeAdvantage network.
Search for Local Agents

Close with Confidence

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When you buy or sell your home with a HomeAdvantage agent, you may be eligible for Cash Rewards* at closing.
The average reward is $1,500!
Calculate your Reward


Contact the SPIRE Real Estate Team

Our loan officers are based in Minnesota and here to help you from pre-approval to closing.

Email the SPIRE Real Estate Team
651.268.7725


When considering to buy a new home, here are some tips to consider.

Our mortgage experts are happy to help you through this process. Contact us or visit us at your local SPIRE branch.
 

Affordability

Housing Expense Ratio: Mortgage payments (PITI) should be  less than 28% - 33% of monthly gross income.

Total Debt-to-Income Ratio: Total debt (housing, car, credit cards, student loans, alimony, child support, installment payments) should be less than 36% - 45% of monthly gross income.
 

Factors that Affect Your Credit Score

  • Payment history (35% of score): Do you pay bills on time? Have you gone through Bankruptcy or Foreclosure?
  • Amounts owed to creditors (30%): How much do you owe and to whom?
  • Length of credit history (15%): How established is your credit history?
  • New credit (10%): Are you increasing your debt obligations?
  • Types of credit currently in use (10%): Do you have a “healthy mix”?

 

Choosing a Real Estate Agent

A real estate agent will have knowledge, experience and represent your best interests.
Choose an agent based on experience, references, and the person.  They will also help save you money and time. When you choose to have a real estate agent, typically the seller pays your agent fees.


Disclosures

*HomeAdvantage is available to you through your membership with SPIRE Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using SPIRE Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. SPIRE Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union to get details that may affect you.
Examples of Cash Rewards amounts shown are based on 3% commission rates. Your agent's commission rate may differ.

 
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