Spencer understands your needs if you are
self-employed or have a complicated income structure

This loan is for borrowers with complicated income structures, which allows them to borrow up to 75% of the purchase price without submitting income documentation. A variety of fixed and adjustable rate programs are available to borrowers that meet asset, credit, and down payment requirements. This program is also available for investment properties.

• Income verification is not required. You state your annual income.
• Assets are verified.
• Loan amounts up to 75% (on owner occupied) and 70% (on investment property)
of the purchase price or value of property.
• Fixed and adjustable rate loans available.
• Middle credit score of 700 required.