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Start saving with our 27-Month Certificate Special!
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Open a SPIRE Free Checking Account and get $100 today!1
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Down Payment as low as 1% for our community heroes.3
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Get cash back with the new SPIRE Visa® Business Platinum Card
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Meet with a SPIRE Retirement & Investment Services Representative Today!
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SPIRE is committed to making your mortgage experience enjoyable and efficient so you can make your dream home a reality.
Pick the best type of mortgage loan for you.
Compare rates and save with SPIRE loans.
Take advantage of our mortgage specials.
Your mortgage loan stays local as SPIRE services each of these loans. Find the right loan for you with our full range of mortgage loan options. As a rule of thumb, the longer term you select, the higher the interest rate, but the lower the payment. You will end up paying more in interest over the life of the loan with a 30-year term vs. a 15-year term. However, you can pay your mortgage off at any time with NO pre-payment penalties.
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Strong communities depend on a mix of residents. As home prices increase, homeownership may seem out of reach. Down payments are often the biggest obstacle for would-be home owners. SPIRE wants to make the dream of homeownership obtainable for our community heroes and honor their service.
Available on Adjustable Rate Mortgages (ARM), just 1% down payment required!
Community Heroes include full or part-time workers in the following fields:
Public or private educational institution
Active or Former Military
EMTs & Paramedics
Government loans are insured or guaranteed by the Federal government. These loans are serviced by our partner, Servion.
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*APR = Annual Percentage Rate. Automatic payment is required. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher. Maximum loan amount is $750,000. Minimum loan amount is $15,000. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Appraisal required. If the loan does not close, the cost of the appraisal will not be refunded. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
+APR = Annual Percentage Rate. Automatic payment is required. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $750,000. A minimum of $15,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00 and does not include the fee for a potential subordination agreement or the cost to change fee ownership. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Available on fixed and Adjustable Rate loans listed below.
If you’ve been in your home a while, interest rates may be much lower now. When you refinance to lower your interest rate, your monthly payment will also be lower, saving you money over the life of your loan. Some refinance to take “cash out.” This would be an option if you have built equity in your current home and you would like to use that equity to make home improvements, consolidate debt or for anything you wish. Based on the amount of equity your home, the closing costs may be rolled into your loan.
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