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Real Estate Center

SPIRE 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.

Start Finding Your Dream Home

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.

Search for a House

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Find your next home by searching MLS listings free free through Home AdvantageTM.  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 from the HomeAdvantageTM network you can trust to help you buy or sell your home.
Search for Local Agents

Close with Confidence

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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

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

Find A Mortgage

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SPIRE offers a variety of loan options.

Calculate Your Mortgage

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Find out how much your payments will be each month.

Home Buying Tips

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 Realtor

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.

Disclosures

*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.

Take the Next Step

Apply Now

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Apply for a mortgage loan online now!
Apply Now

Call us

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We are here to help.
651.268.7725
Call SPIRE

Email Us

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Share with us where you're at and how we can help.
Email SPIRE

Meet Us

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Meet your mortgage loan officer at your local branch.
Meet Officer

 
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