Financing Your New Home with Confidence
Whether you’re a first-time buyer or purchasing your next home, the right loan makes all the difference. Spencer works with you to compare your options and find the one that fits, so your monthly payment, down payment, and long-term costs all line up with your life.
And because he knows the New Braunfels market firsthand, you get more than a rate quote. You get local guidance on everything it takes to buy here, from a strong pre-approval to a smooth closing.
Loan Programs to Explore
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Conventional Loans
Flexible terms and competitive rates for buyers with a range of down payments and credit profiles.
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FHA Loans
Lower down payment and more flexible credit requirements. A popular choice for first-time buyers.
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VA Loans
Zero-down financing for eligible veterans, service members, and surviving spouses.
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USDA Loans
Zero-down options for eligible homes in qualifying areas around New Braunfels and beyond.
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Jumbo Loans
Financing for higher-priced homes that exceed conforming loan limits.
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New Construction
Building your dream home? Get financing guidance from lot purchase through final walkthrough.
Estimate Your Monthly Payment
Run the numbers on the home you have your eye on, then connect with Spencer to get pre-approved.
- Loan Amount$0
- Down Payment$0
- Total Interest Paid$0
Estimate is for principal and interest only and excludes taxes, insurance, HOA dues, and mortgage insurance. This is not a loan offer or pre-qualification.
Get Pre-Approved Before You Shop
A strong pre-approval shows sellers you’re serious, and it only takes a few easy steps.
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