Spectra Mortgage

Your Mortgage Should Work For You

Financial services in Lakewood, CO (show on map)

5.0

★★★★★

18 reviews

Spectra Mortgage offers a range of mortgage solutions including retirement, refinance, purchase, home equity lines, investment, construction, and reverse mortgages.

Call (303) 468-1985

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About

Spectra Mortgage Corporation specializes in mortgage solutions for homeowners 55+, offering retirement mortgages, refinance options, purchase mortgages for first homes, dream homes, and retirement homes, home equity lines, construction and home improvement mortgages, investment mortgages for rental properties, and reverse mortgages. The company emphasizes turning home equity into usable cash, improving cash flow, building equity, and contributing to increased wealth through strategic mortgage planning.

Specialized in mortgages for homeowners 55+

Offers proprietary reverse mortgages

Provides comprehensive mortgage planning

Focus on converting home equity into usable cash

Services

Retirement Mortgage

Mortgages designed for homeowners 55+ to access equity for retirement planning.

Reverse Mortgages Home Equity Conversion Mortgages (HECM) Proprietary Reverse Mortgages

Refinance Mortgage

Refinancing options to lower interest rates, change loan terms, or access home equity.

Cash-out Refinance Rate-and-Term Refinance Eliminate PMI

Purchase Mortgage

Mortgages for buying first homes, dream homes, retirement homes, and investment properties.

Conventional Mortgages FHA Mortgages VA Mortgages Jumbo Mortgages First-Time Homebuyer Programs

Home Equity Line of Credit (HELOC) and Second Mortgage

Options to convert home equity into usable cash without disturbing the first mortgage.

Second Mortgage HELOC Lower Interest Rates than Unsecured Debt

Construction and Home Improvement Mortgage

Financing for minor or major renovations and custom new builds.

Construction Loans Renovation Loans Custom Home Builds

Investment Mortgage

Mortgages for rental properties, second homes, and vacation homes.

Rental Property Financing Second Home Loans Vacation Home Mortgages Equity Leverage for Property Acquisition

Credentials & Certifications

NMLS License

Since 2023

Colorado Mortgage License

Since 2022

Reviews

Rating

★★★★★

Reviews

"His team is pleasant and very knowledgeable."

Frequently Asked Questions

What is a reverse mortgage? +

A reverse mortgage allows homeowners 55+ to convert home equity into usable cash without monthly payments, with the loan repaid when the borrower moves or passes away.

How does refinancing work? +

Refinancing involves obtaining a new mortgage to pay off existing mortgages, lower interest rates, change loan terms, or access home equity.

What are the benefits of a home equity line of credit (HELOC)? +

A HELOC provides revolving credit with variable interest rates, allowing homeowners to borrow as needed during the draw period, converting home equity into liquid funds.

Can I use a reverse mortgage to purchase a home? +

Yes, a reverse purchase mortgage is available for homeowners 55+ to purchase a home, downsize, upsize, relocate, or move to a warmer climate, offering improved purchasing power and cash flow.

What are the requirements for a reverse mortgage? +

Eligibility requires homeowners to be at least 55 years old, own the home outright or have sufficient equity, maintain the home as a primary residence, pay property taxes and insurance, and meet FHA guidelines.