When you’re shopping for a home loan, low rates and dependable service are important factors in choosing a mortgage lender. At Spruce Mortgage we’re confident that you’ll find the best of both right here. Whether you’re a first time homebuyer looking for affordable options or a veteran homeowner looking to reduce your monthly payment, Spruce Mortgage offers a complete array of loan programs to meet your needs.

New Purchase
Not all loan programs are alike. Some make it easier to qualify. Some are better for the short-term, and others over the long haul. Some give you flexibility in payments, money management, and paperwork. Others offer cast-in-stone stability. Still others reward you for sharing a little bit of the interest-rate risk. No matter what you choose, we'll make it easy to understand, easy to activate, and easy to get you into the home of your choice. At Spruce Mortgage we offer these 'new 'purchase' mortgages — Fixed Rate Mortgage, Adjustable-Rate Mortgage (an ARM, or also known as a variable rate mortgage), Hybrid ARMs, Construction, and Jumbo loans. Learn more about new purchase loans.

Refinancing
People refinance their existing mortgage for a variety of reasons. Get a better rate. Leverage the accumulated appreciation in their home. Pull out money to use for home improvements, college, or perhaps to develop a small business. Refinancing can also be a good financial tool to save money.Basically, there are two types of refinance loans: cash-out and rate-and-term. Learn more about refinancing.

Home Equity Loans
A home equity loan is a great way to get that cash without refinancing. Loan types include: Line of credit, second mortgage, and 125% LTV loans. Learn more about these home equity loan options.