Rates are trending down. Subscribe to rate alerts.

Be the first to know when mortgage rates make a move. Stay informed. Save money.

Notify me of rate drops
Check rates

Secure a mortgage, stress-free.

Maximize your investment with a tailor-made loan from Lendspire, designed to fit your specific needs.

Get a free custom rate quote in seconds
I’m looking to purchase
I’m looking to refinance
No impact on credit score
No hidden costs
No documents required
5.0
20+ reviews
Stay IN the know

Today’s rates

Compare rates
PURCHASE
30 Yr Fixed
% / %
Rate / APR
Points:
Customize this rate
PURCHASE
15 Yr Fixed
% / %
Rate / APR
Points:
Customize this rate
PURCHASE
FHA Loan
% / %
Rate / APR
Points:
Customize this rate
PURCHASE
VA Loan
% / %
Rate / APR
Points:
Customize this rate
See Assumptions
Rates as of January 20, 2024
About us

Who we are

Blake Pelton
President, Lendspire

Since our inception, we have believed that the mortgage process could be better for consumers. Our goal was to prioritize the customer experience by delivering a white glove touch throughout the mortgage process, which results in our clients having a hassle-free and rewarding mortgage experience. Our main focal points for delivering the best client experience are personalized service, transparent communication, speed, tailored solutions, and competitive pricing.

Learn more

17 days

Avg. Closing Time

20+

5 star reviews

10+

Years of mortgage experience

Your goal

Where are you in your home loan journey?

Purchase a home

Turn your dream home into a reality.

Refinance a home

Refinance an existing loan with ease and confidence.

Process overview

Our simple home loan process

1
Pre-Approval

Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine your loan terms.

2
Loan Application

Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.

3
Lock Rate

When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days.

4
Loan Processing

The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.

5
Underwriting

In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.

6
Closing

The final step is closing. This involves signing a variety documents that finalize the mortgage process. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!

Lendspire rate watch

Get notified when rates drop

Never miss a rate drop – experience smarter rate shopping. Our Price Drop Alert feature keeps you informed, instantly notifying you when prices fall.

Notify me of rate drops
Recent experience of our customers

See what our customers say about us

Rates

Discover unmatched rates with us, your top choice in lending

Compare rates

Shop for different rates based on you scenario with our rate comparison table.

Compare rates
Get your custom rate

Discover your exclusive rate -tailored for you. Secure your custom rate today.

Get custom quote

Our team

Blake Pelton
Loan Officer  |  NMLS #968048
View profile
Our presence

Licensed in TN, GA, FL currently

Tennessee: 130569
Georgia: 1497789
Florida: MBR4634

Take your first step towards your home loan journey

Get a quote
No impact on credit score
No hidden costs
No documents required