Dave Spencer at Integrity Home Mortgage Corp.

01/13/2026

Think buying a home isn’t doable right now? Think again.

With HomeReady®, eligible borrowers could receive a $2,500 lender credit to help with down payment or closing costs

· Low down payment
· Flexible income options
· First-time or repeat buyers welcome
· Purchase or refinance

Let’s talk about what is possible.

Slide into our DMs to learn more!

For informational purposes only. Not all borrowers will qualify. Program availability and eligibility may vary by state and lender guidelines.

Dave Spencer
[email protected]
(540) 229-0940

01/09/2026

Rates were unchanged during the week ending January 9, 2026, despite jobs data showing a resilient labor market. Integrity Home Mortgage Corporation is an Equal Housing Lender.

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01/08/2026

Start the New Year in a new home—with lower payments upfront.

We’re helping qualified buyers make homeownership more affordable with a temporary lender-paid 1/0 buydown.

That means lower mortgage payments during your first year, and the lender covers the cost—so you can ease into homeownership with confidence.

Reduced payments in year one
Extra breathing room as you settle in

Why it’s a smart New Year move:
• Helps manage new home expenses
• Offsets today’s higher costs
• A great option for first-time buyers

New year. New goals. New keys.

Dave Spencer
[email protected]
(540) 229-0940

01/07/2026

What is a HELOAN?

A Home Equity Loan lets you borrow a one-time lump sum from your home’s equity—with a fixed rate and predictable monthly payments.

Why homeowners choose it:
Fixed interest rate
Cash upfront
Keep your first mortgage
Use funds for renovations, debt, tuition, or major expenses

Want to tap into your equity without refinancing?

Let’s talk—no pressure, just options.

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender. Not available in WV.

Dave Spencer
[email protected]
(540) 229-0940

01/06/2026

Agents, you’re invited!

Join us for an exclusive FREE webinar featuring guest speaker Kendra Cooke, an inspiring and highly tactical speaker with nearly 20 years of experience captivating audiences nationwide.

This month’s topic: “Mastering the Grind: Perfecting Your System.”

If you’re ready to sharpen your process, work smarter, and unlock your full potential—this session is for you. Message for link!

Dave Spencer
[email protected]
(540) 229-0940

01/05/2026

Thinking about buying a home in 2026?

Our resolutions are simple:

• Educate first — so you understand your options before making big decisions
• Plan early — because the best outcomes start long before house hunting
• Remove surprises — no last-minute stress, hidden hurdles, or confusion
• Help you feel prepared — confident, informed, and ready before you ever make an offer

Whether you’re just exploring the idea or ready to create a plan, we’re here to guide you at your pace.

Message us to start a no-pressure conversation.

Dave Spencer
[email protected]
(540) 229-0940

01/05/2026

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01/02/2026

Community Lending Program!

Looking for flexible conventional options? This could be a great fit:

· Primary residences only
· Conventional loans (including HomeReady® & HomePossible®)
· Purchase & No Cash-Out Refi
• Up to 95% LTV – 620 minimum credit score*
• 95.01–97% LTV – 640 minimum credit score*
· Cash-Out Refi – 620 minimum credit score*
· Gift funds allowed

Eligible Property Types:
· 1–4 family homes
· PUDs
· Condos

Agents & buyers—wondering if a property qualifies? Message us and we’ll help you check eligibility!

*Maximum loan amounts and credit scores are subject to specific program guidelines.

Dave Spencer
[email protected]
(540) 229-0940

01/02/2026

Rates moved slightly lower during the week ending January 2, 2026, despite little economic or labor market data. Integrity Home Mortgage Corporation is an Equal Housing Lender.

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01/01/2026

Happy New Year!

As we step into a new year, we’re grateful for the trust you place in us and the relationships we’ve built together. We look forward to helping you turn goals into opportunities and new beginnings into success in the year ahead. Wishing you a healthy, happy, and prosperous New Year from all of us.

Dave Spencer
[email protected]
(540) 229-0940

12/29/2025

This holiday season, celebrate the joy of closing one chapter and opening the next—your best one yet. 62+ Homeowners: Put Your Equity to Work

A reverse mortgage may help free up monthly cash flow—while allowing you to stay in the home you love or purchase a new one.

· Pay off an existing mortgage
· Funds for home renovations, debt, travel, or in-home care
· No required monthly mortgage payments
· Loan is not personally owed by heirs
· Option to help family with housing or education

If you were told “no” in the past, you may qualify now.

Reach out to explore your options.

Borrowers must maintain taxes, insurance, and HOA dues and occupy the home as their primary residence. Not available in all states. All assistance is provided in compliance with FHA program guidelines. IHMC brokers loans through third-party lenders. IHMC is not affiliated with FHA or the Federal government.

Dave Spencer
[email protected]
(540) 229-0940

12/26/2025

Rates were quiet during the week ending December 26, 2025, with little new economic data and many traders taking time off. Integrity Home Mortgage Corporation is an Equal Housing Lender.

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