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Personalized lending solutions

The path to a better mortgage

Buying a home may be the largest investment you ever make. It’s important to get it right. A lending decision based solely on interest rates may lead you down the wrong path.

At Spectra Mortgage we believe every situation is unique. A cookie cutter approach rarely generates the best possible outcome. We give you choices and help you weigh your options. We take into account your financial needs now and down the road. The right mortgage for your circumstances is the path to building equity and, ultimately, to building wealth.


If you’re ready to purchase, we will tailor a lending solution that’s right for you. Interest rates matter, but they only provide a partial picture. Several loan scenarios will most likely work in your situation. Landing on the best solution is something we decide together.


Lowering your interest rate, reducing your monthly payment, or consolidating debt are all reasons to consider a refinance. We’ll start with an in-depth conversation about your goals, then present several options. We will help you weigh the pros and cons to reach a smart decision. Upfront and full transparency of the terms of your loan are as important as a clear financial strategy. No question will go unanswered.

Find out how much your home is worth. 


If you’re 62 or older and have significant equity in your home, a reverse mortgage as part of an overall retirement plan can offer a variety of benefits for qualified borrowers. We’ll discuss viable strategies and explain how to leverage your home equity to create financial flexibility.

We start with an initial FREE consultation. You’re under no obligation, and we won’t pressure you to make a decision. This is about gathering information before deciding if a reverse mortgage meets your needs. See how much your home is worth

Our Clients Share Their Experience

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