Kristi Spears - Branch Manager

5.0 star review received on Experience.com for Kristi Spears by Kory D - The communication and quick feedback. All the help through this process was made easy.

New ★★★★★ 5 Star Experience.com Review by Kory D Click to see all 18 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

5.0 star review received on Experience.com for Kristi Spears by Kenneth R J J - Kristi is a very smart lady and did an amazing job helping me get a house.

New ★★★★★ 5 Star Experience.com Review by Kenneth R J Click to see all 17 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

5.0 star review received on Experience.com for Kristi Spears by Brandy K - Kristi is always a pleasure to work with. She is on the ball & very great with communications.

New ★★★★★ 5 Star Experience.com Review by Brandy K Click to see all 16 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

5.0 star review received on Experience.com for Kristi Spears by Amy N W - Ababababababababababab

New ★★★★★ 5 Star Experience.com Review by Amy N W Click to see all 15 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

5.0 star review received on Experience.com for Kristi Spears by Mark F J - It was a pleasure working with Kristi and her team and the experience could not have been better

New ★★★★★ 5 Star Experience.com Review by Mark F J Click to see all 14 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

5.0 star review received on Experience.com for Kristi Spears by Betty B - Great communication with the listing agent too

New ★★★★★ 5 Star Experience.com Review by Betty B Click to see all 13 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

4.83 star review received on Experience.com for Kristi Spears by German G - It was fast and easy

New ★★★★★ 4.83 Star Experience.com Review by German G Click to see all 12 reviews of Kristi Spears, Branch Manager | Loan Officer | NMLS ID 275935

Mortgage myths: I’ve heard them all. And the ones about credit can be the most off-putting to potential buyers.
Great credit helps, but plenty of loans exist for those with less-than-perfect credit. The same goes for student loan debt. Contact me if you’d like to hear your options.

*BREAKING* Exciting news for VA borrowers! The U.S. Department of Veterans Affairs (VA) has announced that it will be reducing its funding fee for purchase, construction and cash-out refinance loans that close on or after April 7, 2023.

How much could you save with lower VA Loan fees? The savings can range from hundreds to thousands of dollars. Reach out, and I’d be happy to crunch the numbers.

Wondering if you should sell your house this spring? The answer might be “yes,” for 5 reasons: “https://tinyurl.com/yjx6a5n7?lo=Kristi-Spears”

The reality is that a lot of these factors depend on what’s going on in your market. Thankfully, I’m local, and I’m here to help. Contact me, and I’ll be happy to answer any questions.

Could the grass be greener on the other side? Only one way to find out. If you've been unsure about this market, I can tell you things are changing! If you're ready to be rooted in this community, give me a call today.

Here’s what’s really mind-blowing about these mortgage myths: They could be holding you back from achieving your dream of homeownership, and you might not even know it. Keep reading to find out the facts: “https://tinyurl.com/ycuhtv3f?lo=Kristi-Spears”

If you have questions, I’d love to walk you through it. Let’s pick a time to schedule your complimentary check-in.

In the housing market, appreciation level is the undisputed champion of return on investment. Now is not the time to bet against housing. Reach out to me for more details.

Hey homebuyer, are you looking at a fixer-upper? Or maybe you’re a homeowner who’s ready to renovate. Find out which home renovations have the highest—and the lowest—ROI here: “https://tinyurl.com/nxv42b8d?lo=Kristi-Spears”

If you have questions about how to fund your renovations, just send me a message. I’d love to explain how our all-in-one Renovation Loan could make this possible.

Hey! If you'd like to close nearly a week faster: Ask me about *Pre-Approval+.

You can also read more here: "https://tinyurl.com/2fr9rmwc?lo=Kristi-Spears"

*Pre-Approval+ is not a commitment to lend. All mortgage products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Additional conditions, qualifications, and restrictions may apply. Please contact Academy Mortgage for more information. **Pre-Approval+ loans closed through March 2023.

Through the HomeReady® and Home Possible® low down payment programs, homebuyers can reach the milestone of homeownership with as little as 3% down and multiple options for funding sources. Contact me today to learn more about our low down payment options!

Wondering if you should buy a house this spring? The answer might be “yes,” for 5 reasons: “https://tinyurl.com/bdff8svf?lo=Kristi-Spears”

Want to simplify homebuying? Use Academy’s *Pre-Approval+ to get your mortgage paperwork out of the way and help expedite your closing process. Contact me to get started.
*Pre-Approval+ is not a commitment to lend.

*BREAKING* Thanks to recent changes from the Federal Housing Administration, new homeowners may save an average of $800 a year. The FHA just announced that annual mortgage insurance premiums on FHA Loans will drop by 35% as of March 20, 2023. (HUD, 2023)

Lower mortgage insurance helps decrease the cost of homeownership, and as many as 850,000 borrowers could benefit. Are you one of them? Contact me to find out.

Not all lenders offer VA Loans. But Academy Mortgage is proud to provide VA Loans—and the freedom of homeownership—to those who qualify. It’s one way we show our thanks.

Do you qualify for a VA Loan? Check out this handy infographic: "https://tinyurl.com/yhrvn9vj"

Buying a house can feel like a marathon. But at Academy Mortgage, we bring the finish line to you. Do you have some time today? Get in touch, and I can explain a few ways I can help make homeownership possible.