Dave Spencer at Integrity Home Mortgage Corp.

Dave Spencer at Integrity Home Mortgage Corp. Our promise is to help you find the best home loan program for your situation and to provide exceptional service while making the process as easy as possible.

DAVE SPENCER - NMLS ID #1210340
Branch Manager | Mortgage Loan Originator
540.764.4656 Licensed in FL, MD and VA

Integrity Home Mortgage Corporation
NMLS ID #208516
Equal Housing Lender

Company Disclaimer Link Below
https://linktr.ee/Dave_Spencer Dave Spencer | Branch Manager | NMLS ID #1210340

Integrity Home Mortgage understands how important the investment you make in your home is to you and t

he impact it will have on your life. Our team of creative mortgage professionals is located throughout the Mid-Atlantic region in Virginia, West Virginia, Maryland, Pennsylvania and D.C. and we have proved our commitment to our customers and employees through all kinds of real estate markets by creating partnerships with local real estate professionals. It is the strength of those relationships that has ensured our lasting success. Our vision for Integrity Home Mortgage is to build on our success by seeking new opportunities for growth while staying true to our history and values.

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Inte...
08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Integrity Home Mortgage Corporation is an Equal Housing Lender.

Markets in a Minute

Every closing represents more than paperwork. It’s a meaningful step toward homeownership.At Integrity, we’re proud to s...
08/25/2026

Every closing represents more than paperwork. It’s a meaningful step toward homeownership.

At Integrity, we’re proud to support homebuyers through the mortgage process and be part of the journey to closing day.

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

Equal Housing Lender

When you apply for a mortgage, lenders look at more than just one number.They consider different parts of your financial...
08/24/2026

When you apply for a mortgage, lenders look at more than just one number.

They consider different parts of your financial picture, often referred to as the 4 C’s of qualifying for a mortgage:

Capacity — Your ability to repay the loan. Lenders may consider your income, employment history, savings, monthly debts, and other financial obligations.
Capital — The money and assets you have available, such as savings and investments. These funds may be used toward your down payment, closing costs, or other expenses.
Collateral — The property itself helps secure the mortgage. The home’s value is reviewed to help confirm the loan amount is appropriate for the property.
Credit — Your credit history gives lenders a look at how you’ve managed debt and payments over time.

Each of these areas helps lenders build a more complete picture when reviewing a mortgage application. Understanding them gives you a better idea of what to expect during the process.

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

Equal Housing Lender

Rates moved higher during the week ending August 21, 2026, due to pressure from global bond concerns and rising oil pric...
08/21/2026

Rates moved higher during the week ending August 21, 2026, due to pressure from global bond concerns and rising oil prices. Integrity Home Mortgage Corporation is an Equal Housing Lender.

Markets in a Minute

Thinking about buying a home often comes with a lot of questions. Where do you start? What does the process look like? W...
08/21/2026

Thinking about buying a home often comes with a lot of questions.

Where do you start? What does the process look like? What financing options are available?

You don’t have to know all the answers before having that first conversation. A loan officer can help explain your options, walk you through the process, and help you understand what to expect along the way.

Getting started begins with asking questions.

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

Equal Housing Lender

Buying a home comes with a lot of moving pieces, especially when it comes to financing. As a loan officer, my role is to...
08/17/2026

Buying a home comes with a lot of moving pieces, especially when it comes to financing.

As a loan officer, my role is to help you understand your loan options, answer questions, and guide you through the mortgage process.

From getting started with an application to understanding what’s needed along the way, I’m here to help you know what to expect as you move toward closing.

If questions come up along the way, I’m here to help you understand what they mean and what comes next.

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

Equal Housing Lender

Mortgage rates moved slightly lower during the week ending August 14, 2026, as consumer and wholesale inflation data eas...
08/14/2026

Mortgage rates moved slightly lower during the week ending August 14, 2026, as consumer and wholesale inflation data eased rate-hike concerns. Integrity Home Mortgage Corporation is an Equal Housing Lender.

Markets in a Minute

Thinking about waiting to buy a home?Every market is different, and no one knows exactly what the next year will bring. ...
08/11/2026

Thinking about waiting to buy a home?

Every market is different, and no one knows exactly what the next year will bring. While waiting may make sense for some buyers, it's also important to consider how changing home prices, rent payments, and loan programs could affect your homebuying journey.

Understanding your options today can help you make a more informed decision for tomorrow.

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

Equal Housing Lender

Address

700 Southridge Parkway
Culpeper, VA
22701

Website

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