Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

Questions? Start here Learn More

Purchase

GlowUp Home Loan

Get the financial support you need for your home renovation projects.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Investment Property

Mortgage loan programs for vacation and investment properties.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

First Time Home Buyer

Popular loan programs for first time home buyers.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Construction Loans: Build It Your Way

Roll the costs of the renovation into your loan.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Refinance

Cash-Out Refinance

Access home equity for various purposes.

Refinance

Mortgage refinancing may lower your monthly payments.

Journey Form

What are your goals? We are committed to helping you reach them.

I want to purchase

I want to refinance

Where is the home located?

City/Zip

What type of home?

Single Family

Townhouse

Condominium

Multi-Family

Farm/Ranch

Where are you in the home buying process?

Signed a purchase contract

Found a home

Looking to buy within one month

Looking to buy in 1 to 3 months

Looking to buy in more than 3 months

How will this home be occupied?

Primary Residence

Vacation Property

Investment Property

Have you or your spouse served in the US military? Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.

Yes

What is your (or your spouse's) branch of military service?

Army

Marine Corps

Navy

Air Force

Coast Guard

National Guard

Military Spouse

Other VA Eligibility

No Military Experience

Are you actively working with a real estate agent?

Yes

Who is your real estate agent?

Is this your first time purchasing a home?

Yes

What is the approximate purchase price of the new property?

under $250k

$251-500k

$501-800k

$801k-1.2M

$1.2M+

How much do you have for a down payment? ((it's OK to estimate))

10%

15%

20%+

What is your current employment status?

Employed

Self-Employed/1099 Independent Contractor

Retired

What is your household gross (before taxes) annual income?

up to $100k

$101-200k

$201k-500k

$500k+

What is your credit score?

Excellent 760+

Good 700-759

Average 660-699

Fair 600-659

Poor < 600

Have you had a bankruptcy or foreclosure in the past 3 years?

Yes

First Name

Last Name

What is your email address?*

What is your phone number?*

Who referred you to us?

We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By submitting your phone number you are agreeing to opt-in to sms messaging. Message and data rates may apply.

I agree to the Communications Policy

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About Us

Robert Spiegel aims to consistently be in the top 1% of loan originators in the nation with over 22 years as a loan officer and 28 years in the real estate industry.

Robert represents First Horizon Bank, NMLS #472329.

This site does not necessarily represent the views of companies that Robert represents.

Contact Us

920 Memorial City Way
Suite 1125
Houston, TX 77024
(713) 961-5363
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Banking products and services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. NMLS #472329.

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

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