Spire Financial Blog

Our blog has a wealth of free information you can use to educate yourself on loans and refinancing.

Belinda Schossow

Belinda Schossow Mortgage Loan Officer NMLS: 2310557 …

Top 10 Post-Closing To-Dos

Store closing papers in a safe yet accessible place Safe deposit boxes, in-home safes and locking filing cabinets are only a few options for secure storage. Change the locks Your new home once belonged to someone else. Family members, neighbors and even builders or HOA member…

Seller Concessions or Price Reduction

With the real estate market shifting from being seller dominated to more buyer-friendly, price reductions and seller concessions are starting to make a comeback. As a buyer, which of the two options gives you the most benefit? Let’s start by defining and examining the benefits of these terms. A …

metroDPA Social Equity Program

metroDPA offers funds available for the purchase of a home if you are a resident or direct resident of someone who lived in a Denver redlined area between 1938-2000. If eligible, $15,000 to $25,000 can be used toward the purchase of a home in the front range area. These funds are to help increase…

Alex Nuss

Alex Nuss Mortgage Loan Officer NMLS: 1540488 …

2/1 Rate Buydown

While you’ve probably heard of buydowns or temporary buydowns before, you may have questions on what these terms truly mean. A 2-1 buydown is a mortgage loan option in which the seller or builder reduces the homebuyer’s interest rate for the first two years of the loan. In year one, the interest…

Determining Your Ideal Mortgage Budget

Setting a budget is one of the first things potential home buyers should do to set themselves up for success through the purchase process. Two of the most important items to consider are cash to close and total monthly payment. The key is to find the right balance between the two as each affects …

FHA Loans: The 100 Mile Rule

FHA loans are great for those with a lower down payment, less than perfect credit, a bankruptcy in the last 7 years, modest income, buying a 2–4-unit home, etc. However, an FHA loan may not be an option for many looking to add to their real estate portfolios, especially those looking to utilize t…

What Buyers Should Know About Fixed-Rate Loans

Throughout the home buying process, there may be several mortgage-based terms mentioned that are either new or haven’t been part of a familiar conversation for quite some time. One of the most frequently discussed phrases during this time is the fixed-rate loan. A fixed-rate mortgage is designed…

Adjustable Rate Mortgages in Today’s Environment

The term Adjustable-Rate Mortgages (ARMs) may carry a sense of apprehension for potential homebuyers. However, ARMs are some of the best loan products in today’s current environment, specifically for Jumbo Loans (defined as a loan greater than $684,250 throughout most of the United States). What…
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Disclaimer


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 https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/

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