Mortgage Loans & Refinancing: Cash Out Refinancing, Fixed Rate Home Loans, 2022 Home Buying & More!

Refinancing your home loan with Spire Financial (A Division of AmeriFirst Financial Inc.) can help you determine the best financial approach to achieve your goals. Our service can gauge whether to stay put or move forward with refinancing your home purchase loan. We also offer flexible home mortgage options with conventional and non-conventional home loans to cater to every client seeking a home loan. You can utilize refinance loans to cut costs by locking in a lower interest rate, building more home equity, and pursuing principal on your monthly payments.

Advantages of Refinance Loans

Every home is an investment and refinancing your home is one way to capitalize on investment opportunities. Some of the most common reasons homeowners refinance are to leverage cash from their home, lower monthly payments, and shorten the purchase loan term. Spire Financial provides tons of refinance options, including cash out refinance, lower rate refinance, home improvement refinance, and debt consolidation loans. Our team works personally with every client and matches the perfect financial game plan specific to your situation.

Interested In A Home Loan That's Right For You?

Our Loan Experts Can Help

Qualities of Conventional Home Loans

Conventional home mortgages are insured by private lenders instead of government agencies, and are the most common type of home loan. Though they differ from government backed FHA loans — a conventional home loan requires less paperwork, avoids upfront mortgage insurance, and secures a competitive mortgage rate. If you plan on applying for a conventional home loan, you should be ready to prioritize your credit score, as it remains one of the biggest qualifiers.

Still Have Questions?

Our Staff Can Answer Them

Contact Us (303) 595-0110

Quick Mortgage Calculator

Try Our Complete Calculators

Mortgage Refinance Amortization

Other Purchase Loan Options

Spire Financial has additional types of home loans to accommodate your financial status. Down payment assistance loans, FHA loans, jumbo loans, and VA home loans are just to name a few. Our experts can analyze your income-to-debt ratio, credit scores, down payment, and more to give a clear picture of the right purchase loan for you. There are ways to mortgage smarter, not harder, so contact a lender who specializes in refinancing and home mortgage options. Whether you’re looking for a debt consolidation loan or a VA home loan, Spire Financial has you covered.

A Lending Hand for Financing Home Mortgages

Spire Financial (A Division of AmeriFirst Financial Inc.) brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.



Spire Financial, a division of AmeriFirst Financial, Inc. 303-595-0110, 602-842-1644 in AZ. © 2022. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit for all state licenses information. Visit NMLS Consumer Access at

2022 © Spire Financial


Contact Us (303) 595-0110