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SPIRE mascot, Cash the Dog, makes saving fun for kids 12 & under.
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Open a new SPIRE Free Checking account today and get $100!1
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Get $100 when you refinance your non-SPIRE auto loan!2
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Enjoy a fast, easy digital process for PPP loan funding.
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With exclusive free access to MLS listings, a network of experienced agents, and potential reward at closing, your new home starts at SPIRE.
Get pre-approved as soon as you begin your home search. Let SPIRE help you find out just how much house you can afford.
Find your next home by searching MLS listings free free through Home AdvantageTM. Get email alerts when new properties become available.
Search the MLS
Select a local experienced Real Estate agent from the HomeAdvantageTM network you can trust to help you buy or sell your home.
Search for Local Agents
When you buy or sell your home with a HomeAdvantageTM agent, you may be eligible for a cash reward* at closing.
The average reward is $1,500!
Calculate your Reward
The HomeAdvantage program is a free online Real Estate service to SPIRE members. Join 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 cash reward at closing!*
Enroll in HomeAdvantage
SPIRE offers a variety of loan options.
Find out how much your payments will be each month.
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.
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.
A Realtor will have knowledge, experience and represent your best interests.
Choose a Realtor based on experience, references, and the person. They will also help save you money and time. When you choose to have a Realtor, typically the seller pays your Realtor fees.
*The HomeAdvantage program is made available through a relationship between SPIRE Credit Union and CU Realty Services. Cash rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for the cash reward if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a cash reward. Cash reward amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your reward will be paid out. Cash reward incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you.
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