Spire Financial Blog

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

How To Prepare for A Cash-Out Refinance?

A cash-out refinance is an excellent way for you to cash in on your home’s equity. By taking a bigger mortgage and cashing out the difference, you can get your hands on a decent amount of money. Even though the application for an Arizona mortgage refinance is almost the same as the one you did fo…

How to Buy a Home with No Money Down

Most potential home buyers often wonder how much they will need to have a loan. Fortunately, a homebuyer can buy a home without a down payment or with no money down. This is possible only for a few specific people and in some circumstances. If you live in a rural area, are a veteran, or qualify f…

What is a Second Mortgage Loan

Some circumstances might force you to find alternative financing options, including home repairs and improvements. One of the best and ready options to help you out in either situation is applying for a second mortgage loan.   What’s a Second Mortgage Loan? It’s a loan type where the borrow…

Can I Do a Cash-Out Refinance Without a Job?

With proof of employment being an essential qualification for a cash-out refinance, the self-employed, seasonally employed or unemployed can dread applying for such a mortgage. Proof of work shows that a borrower has a stable income. Therefore, lenders are assured of their ability to repay the lo…

Types of Home Loans Available

The Arizona real estate market has been growing rapidly with the increased need for people to get their own homes. Surveys show that with the many mortgage options available, a large percentage of people are finding it easier to start their homeownership journey. This has also created a lot of de…

Can I Sell My Home After a Cash-out Refinance?

Of course you can sell your house after a cash-out refinance. Although, it can be beneficial to plan out accordingly. It can be very tempting to sell your home after a cash-out refinance. With the money taken from the home equity, you can perform repairs or even upgrade your home and increase its…

How To Buy A House With A VA Loan

The process of buying a new home can sometimes be challenging, especially for first-time buyers. However, if you understand the basics and ask for help from others, it can be a walk in the park. Many people are eligible for VA home loans. Arizona boasts many programs that can easily allow homebuy…
cash-out refinance

How Do You Qualify for A Cash-Out Refinance?

Imagine being able to consolidate debt, pay off your kid’s college tuition without a student loan debt or even find money to invest and save for retirement. These are some of the benefits homeowners can get from a cash-out refinance. But before getting started with applying for a cash-out refi, i…

Top 5 Easy Tips To Get a VA Loan

Qualifying for a VA loan can be a great experience in your homeownership journey. VA home loans are government-backed mortgages that allow veterans to buy their dream homes without having any down payment and mortgage insurance. For the entire VA home loan process to go through well, preparation …
cash-out refinance

Closing Costs on a Cash-out Refinance

Closing costs are one of the factors that determine the money you will get from a cash-out refinance. They are usually 3% to 5% of the new loan amount, and you have the option to pay them right away in cash or roll them into your new loan. Cash-out refinance closing costs differ from one lender t…

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.

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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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