When you have excellent credit and substantial equity in your home, and are looking for a fast approval, SpencerExpress is the perfect choice. To qualify for this unique loan, you will need a minimum middle credit score of 720 and have a maximum Loan to Value of 60%. Borrow up to $750,000 with an approval in as few as three days.

SpencerExpress is only available for our fixed rate loans secured by owner-occupied properties.