It's definitely a buyer's market! What are you waiting for?

• First-time home buyers!
  Learn everything you need to know about the financing process and buying your first home!

• You're moving and will be buying a new home!

  Get approved before you start house hunting and close fast on your new home!

• You're buying a second home!

  Very competitive rates & low down payment requirements!

• You're a buying an investment property!

  Choose from several loans for your rental property!

A Pre-Approval Gives You More Bargaining Leverage

• When bidding on a home, a pre-approval from the Mortgage Guys gives you more leverage! The sellers and their agent will know your offer is good because you already have your financing approved!
• You'll have peace of mind knowing what you can truly afford. Plus, you won't waste time looking at homes outside your price range and you'll know exactly what your monthly payments will be, total closing costs & cash needed for closing!
• You can close much sooner-- another bargaining chip!
• To take full advantage of our free pre-approval program, please complete an application!

Need Help Choosing a Realtor?

• The Mortgage Guys can help you by matching you with a Realtor in your area at no cost to you!
• They have a network of experienced, reliable agents who will put your needs first!
• The Mortgage Guys will work hand-in-hand with your Realtor (without comprimising your confidentiality)to ensure hassle free home buying!
• For a referral of an experienced realtor, please contact us!

Get a Home Loan With Little Money Down!

• The Mortgage Guys' exclusive mortgages allow you to buy a home with only a 3% down payment needed! In many cases, that down payment can be gifted from a family member!
• Add in up to 6% seller concessions and you could come to the closing table with no money out of pocket! Ask us how!

Looking for a new property?

First, Get Pre-Approved by filling out our express online application.

Second, Fax, email, mail or drop off the documentation needed to process the loan. Your loan will be approved subject to the appraisal, title inspection, and an executed purchase and sale contract.

Third, Receive our Trusted Pre-Approval certificate along with a good faith estimate detailing settlement charges and monthly payments. These documents will be mailed or emailed to you and then you can begin shopping for your new home!

Get Pre-Approved Now!

Already found a property?

First, forward a copy of your purchase contract to the Mortgage Guys. Lock in your interest rate on the product of your choice. If you are not already pre-approved by the Mortgage Guys, Please visit us here first!

Second, we will send the loan documents to you for your review and signatures or we can schedule an appointment for you to come to our office. Spruce Mortgage will order an appraisal of your new property and arrange for you to close your loan in an attorney or title company's office - convenient to you and the seller.

Contact us!