PrimeLending_Jamie Spencer

PrimeLending_Jamie Spencer Jamie S. Spencer
Senior Loan Officer
NMLS: 238198
[email protected]
(855) 344-5865
PrimeLending NMLS: 13649
Equal Housing Lender

Headquartered in Dallas, Texas, and established in 1986 by Chairman and Founder Roseanna McGill, PrimeLending has grown from a staff of 20 producing $80 Million in annual closed loan volume to a staff of over 1,900 producing in excess of $7.7 Billion annually.

**The views expressed on this site are those of the individual author and do not necessarily represent those of PlainsCapital or its subsidiaries. http://www2.primelending.com/Disclaimer.aspx

The Federal Housing Administration (FHA) has announced an update to the 203(k) Rehabilitation Mortgage Insurance Program...
04/21/2026

The Federal Housing Administration (FHA) has announced an update to the 203(k) Rehabilitation Mortgage Insurance Program that helps make buying and renovating homes more affordable. The two primary enhancements going into effect starting 11/04/2024 include:

* Increasing the Limited 203(k) loan limit to $75,000 (from $35,000).
* Extending the rehabilitation period to 12 months for Standard 203(k) loans and 9 months for Limited 203(k) loans.

By allowing larger loans and longer renovation timelines, the FHA is helping to make homeownership more accessible and affordable to all. Read the full list of enhancements in the FHA Mortgagee Letter:
https://www.hud.gov/sites/dfiles/OCHCO/documents/2024-13hsgml.pdf

Contact a PrimeLending home loan expert to learn more about programs like the 203(k) program.
Product info as of 11/04/24, subject to change.

Homes need care-and so do mortgages. A 15-minute checkup gives you clarity and confidence for the year ahead. Book your ...
04/20/2026

Homes need care-and so do mortgages. A 15-minute checkup gives you clarity and confidence for the year ahead. Book your review now and rest easy.

Do you know how much equity your home has right now?A quick mortgage check-up can show whether options like a cash-out r...
04/19/2026

Do you know how much equity your home has right now?

A quick mortgage check-up can show whether options like a cash-out refinance (2) or home equity loan (3) could support your goals and give you financial wiggle room.

Send me a message to get my home equity loan guide and learn more about your options.

1) Source: https://www.bankrate.com/home-equity/homeowner-equity-data-and-statistics/ 2) All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan. 3) All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

Late-night home improvement television watching? Scrolling local home listings? Planning imaginary renovations?Those cou...
04/18/2026

Late-night home improvement television watching? Scrolling local home listings? Planning imaginary renovations?

Those could be signs you're closer to buying than you think.

Want to see what you could comfortably afford? Start with my rent vs. buy calculator on my website or contact me and we can run the numbers together. Link in bio.

Want to feel more confident before you start house hunting?A few smart moves now-checking credit, clarifying your budget...
04/18/2026

Want to feel more confident before you start house hunting?

A few smart moves now-checking credit, clarifying your budget, and building savings-can make a big difference later.

Need help getting started? Check out my home affordability calculator on my website to explore your options. Link in bio.

Renovation loans don't have to be a headache. If a home has potential and your client has a vision, a PrimeLending renov...
04/17/2026

Renovation loans don't have to be a headache. If a home has potential and your client has a vision, a PrimeLending renovation loan makes it happen with one approval, one closing and one simple monthly payment. To make the process even smoother, we provide:
* 28 renovation loan options to finance nearly every project
* Dedicated in-house processing, underwriting and closing teams
* Hands-on guidance from application to project completion
With my track record and your expertise, we can make sure your client gets a mortgage that fits their home renovation needs. DM me to make it happen.

Want a lower rate and lower payments so you can afford more home? Mortgage points let you pay a little more upfront to r...
04/17/2026

Want a lower rate and lower payments so you can afford more home? Mortgage points let you pay a little more upfront to reduce your interest rate (and payments) over the life of your loan.

Curious if points make sense for your goals? Let's look at the numbers and explore all of your options together.

Exciting news for your clients earning very low-to-moderate incomes! We are thrilled to share that the Freddie Mac HomeP...
04/16/2026

Exciting news for your clients earning very low-to-moderate incomes! We are thrilled to share that the Freddie Mac HomePossible® program just got a major boost! For a limited time, very low-income purchase borrowers may qualify to take advantage of a $2,500 grant that can be applied as a downpayment and closing assistance.* Together we can open doors to affordable homeownership. Contact me to see if your clients qualify today.

Product info as of 2/3/26, subject to change.
*Certain restrictions apply, subject to assistance program guidelines. Not available in all areas. Please contact your PrimeLending loan officer for more details.

02/16/2026

President's Day is a reminder that the strongest things are built with long-term vision.

Homeownership is no different. It's about stability, putting down roots, and creating a place that supports your life-today and over time.

Whether buying is in your plans now or later, understanding your options helps you move forward with confidence. Contact me to start the conversation.

The calendar flipped, but the intention stays the same: move forward with purpose. Here's to a new year that feels clear...
01/01/2026

The calendar flipped, but the intention stays the same: move forward with purpose. Here's to a new year that feels clearer, more focused, and full of moments that remind you you're heading in the right direction. Wishing you a steady, strong start to 2026.

As we near the end of 2025, here's a look at our 2026 housing market predictions. The 2026 housing market is expected to...
12/31/2025

As we near the end of 2025, here's a look at our 2026 housing market predictions. The 2026 housing market is expected to feel a little calmer than the last few years. Experts are calling for modest inventory growth, slower price increases, and gradually easing rates - creating a more stable environment for buyers and sellers.

What this could mean for you:
* More homes to consider
* Less of the "rush" to make decisions
* A clearer path to planning your budget and next steps

Thinking about a move next year? Now's the perfect time to explore your options so you're ready when the right home hits the market. DM me to get started.

Info as of 11/20/25, subject to change.

Address

3131 Camino Del Rio N. , Suite 370
San Diego, CA
92108

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18553445865

Website

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