Home Loan Resources

Learn about the home loan process.

We are here to help make the home buying process as simple as possible. Explore our resources to learn tips on how to get ready for your next dream home.

The best part: your SPIRE Mortgage Loan Officer is with you at every turn.

SPIRE Home Loan Process

Know what to expect when getting a home loan from SPIRE.

Pre-qualification v. Pre-approval

We offer three different letters so you feel confident in your decisions.

How Loans Are Approved

When your application is submitted for final review, we will look at the four Cs.

Your Credit Score & Mortgage Loans

Your credit score is one of the biggest factors in your approval.

Your Credit Score & Buying Power

Know how your credit score will affect your buying power.

Are You Ready to Purchase?

Ask yourself these questions to help determine if you are ready to buy a home.

Protect Yourself from Trigger Leans

When you credit is pulled for a loan, bureaus often sell your information to other lenders than can generate unsolicited offers.

SPIRE Mortgage Guarantee

We offer a stress-free mortgage process. Guaranteed!

Take the Next Step

Apply Now
Meet Your Loan Officer

See SPIRE Mortgage Loan Options

Your loan stays local with our local loan officers.
Talk through your options or apply with your loan officer today!

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.