What We Offer

Whether you're looking to buy your first home, refinance an existing mortgage, or put the equity you’ve spent years building to use, Spencer Mortgage can help. We offer a full range of purchase and refinance products, including:

  • Adjustable rate mortgages
  • Fixed rate mortgages
  • FHA home loans
  • FHA 203(k) rehabilitation loans
  • HARP refinance loans
  • Home equity lines of credit (HELOCs)
  • Home equity loans
  • Jumbo mortgages
  • Refinance programs
  • Reverse mortgages
  • USDA home loans
  • VA home loans