Carla Spragg, Providing Low Rate No Hassle Mortgages

Buying A Home?

Maybe you're a first-time buyer, or you could be looking for your forever home. Maybe you're buying a second home or an investment property. No matter what the situation, I'm here to simplify the process to make it less stressful and a whole lot easier. Discover how working with me can help you during all the stages of buying a home, from pre-approval through closing. START MY HOME JOURNEY

Refinancing Your Home?

Whether you want to lower your payment, get a better rate, consolidate debt and free up cashflow, or access cash for anything else, I’m here to help. No matter your reason for refinancing, finding the right mortgage is the key to saving you time and money while making the process simple and easy. Discover how working with me can help you make the most of your refinance. HELP ME REFINANCE

How do I get a mortgage?

Applying is simple! You can start with the secure link on this page if you’d like to submit your application online, or if you’d like to discuss your situation first we can have a conversation and I can take your application over the phone or on Zoom. APPLY NOW

What’s the difference between prequalification and preapproval?

A prequalification is an estimate of how much you may be able to borrow based on information you provide. A preapproval is a more in-depth process where the lender verifies your financial information to determine ahead of time that you will qualify. If you’re in a competitive situation, a preapproval will usually carry more weight. I can help you get prequalified or preapproved! Get Prequalified or Preapproved

How long does the mortgage process take?

Typically 30 to 45 days, depending on the lender and how quickly you provide documents. However, if you are looking for a faster process, I may be able to help. If you’ve already found a house or are looking for a fast refinance, we should talk soon.