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At Spectra Mortgage we do two things:

  • We help our clients prepare for the largest financial decision they may ever make; and
  • We help our clients get the mortgage they need to realize their goals and dreams

We have learned that when our clients come to us, they don’t just want a mortgage. They want to fill a need, reach a goal, realize a dream. Getting a mortgage is personal to them and is about more than finances. It’s about their lives, their families, their well-being.

Our clients are unique and so are their needs. There’s an endless numbers of reasons for wanting a mortgage. We know that and we help them get the mortgage that’s right for them.

What are your reasons? Let us know and we’ll get to work for you too.

Details and Assumptions

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Really enjoyed the home buying experience. Wayne is a consummate professional and genuine person. We very much appreciate Kim and Wayne going above and beyond the call of duty to make this happen for us.” – S. & M. Bromby

Thanks Wayne, both you and Kim were wonderful to work with. I appreciate how on top of everything you both were! Keep up the good work and I am sure I will be back.” – S. Nelson

“Wayne and Kim stayed on top of the entire process. They kept us informed. Great experience.” – S. & S. Adam

“Very quick and efficient process in getting our mortgage. Thank you very much!.” – M. & S. Peitrup

“Spectra Mortgage was more than helpful with our somewhat unique mortgage situation.  We bought our first home from a relative, and Wayne and his staff were very knowledgeable and helpful in walking us through our options.  We absolutely recommend them, as they were recommended to us.”

“Love your service and team Wayne!  Always friendly and professional, and you are so knowledgeable.  High value!”

Financial Team

Let Spectra Mortgage Be Part of Your Financial Team

Whether you are buying or refinancing, you need a team looking out for you legally and financially.  The lender is a key member of your financial team.  When we join your financial team, our job is to provide advice, analyze your unique situation, and help close on your mortgage.  We take the lead and guide you through the mortgage process from first contact through the closing, and even after, we are available to help with any mortgage-related questions and needs.

Our advisors are not just sales people or call center people who take orders.  Our team consists of a group of professionals with extensive financial training and experience advising, analyzing, and helping people plan for and reach their financial goals.

Here are a couple of key principles we operate by:

Mortgage advise

Close Mortgages on Time – Our number one goal is to close our client’s mortgages on time so they can accomplish their real objective.

Transparency – We provide options and any information our clients need.  We explain the entire process and take the mystery out of the mortgage application and approval process.  We communicate throughout the loan process so our clients always know what is happening.

Leverage Technology – We have the tools in place to communicate however you prefer (in person, phone, email, text, or chat).  We provide the ability to electronically sign the application and disclosures, we have secure encrypted email communications and provide a secure portal that is available 24/7, so that our clients can upload their documents securely without using fax or email for sensitive information.  We can also go “old school” and meet in person when desired by our clients.

Service – We work to make the mortgage process efficient for our clients and focus on making sure our clients accomplish their objectives and are happy at the end.  We want our clients to want to refer us to family and friends.

​”Received great help from Wayne and Kim.Thanks for everything.” -L. Sprayberry

“It was awesome. Very splendid. I will recommend you guys to my other colleagues. Thanks and God Bless.” – C. Anedo

“Got it done in one day after title! Good Job! – A. Slaby

It was made very easy and everything was explained very well! -J. Neitzke



Mortgage interest rates continued on a roller coaster this week. The large swings in the stock market this week were a factor as well as ongoing negotiation of the budget in Washington DC and increasing concerns about inflation and its impact on interest rates.

Next week the following events will occur and economic data will be released:

  1. On Wednesday the Consumer Price Index and the Retail Sales report will be released;
  2. The Industrial Production report will be […]
February 9th, 2018|