Michael Sprinkel - Integrity Home Mortgage Corporation

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Michael Sprinkel - Integrity Home Mortgage Corporation

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Michael Sprinkel | NMLS ID # 2723362
Integrity Home Mortgage Corporation
NMLS ID # 208516
Equal Housing Lender
Company Disclaimer Link Below
https://linktr.ee/msprinkel

06/13/2026

The NEW 2026 AMI Limits Are Officially Here!

As of June 13, 2026, updated Area Median Income (AMI) limits are now in effect for Fannie Mae & Freddie Mac affordable lending programs!

That means MORE buyers may now qualify for:

HomeReady®
Home Possible®
Reduced fees & expanded affordability options

With income limits increasing in many areas, you may now be eligible even if you previously did not qualify.

This could mean:

Lower costs
More buying power
Expanded homeownership opportunities

Want to see the AMI limits in your area?

Use Fannie Mae's lookup tool: https://ami-lookup-tool.fanniemae.com/amilookuptool/

Don’t assume you make too much — let’s review your options!

Contact your local Integrity Home Mortgage loan officer today to learn what these new changes could mean for you.

For informational purposes only. All borrowers are subject to credit, income, and property qualification. Program guidelines and availability subject to change without notice. This is not a commitment to lend.

Mike Sprinkel
[email protected]
(540) 219-8696

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation (IHMC) is not affiliated with or acting on behalf of or at the direction of the Federal government.

#2026

06/11/2026

Looking to grow your real estate portfolio?

The Investor Cash Flow Program may allow qualified investors to qualify based on property cash flow rather than traditional income documentation.

This flexible financing option may be available for purchases, refinances, and cash-out refinances.

Reach out to learn more and see if this program may be a fit for your investment goals.

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend. Program availability, eligibility, and qualification requirements apply.

Mike Sprinkel
[email protected]
(540) 219-8696

06/09/2026

BIG NEWS for Homebuyers in 2026!

The 2026 Area Median Income (AMI) limits are increasing in most areas effective June 13, 2026 for Fannie Mae & Freddie Mac programs!

What does this mean for you?

More households may now qualify for affordable lending programs
Expanded access to HomeReady® & Home Possible®
Potential fee reduction waivers
More opportunities for affordable homeownership

If you thought you earned too much to qualify before, it may be time to take another look!

Want to see the AMI limits in your area? Check them out here: https://ami-lookup-tool.fanniemae.com/amilookuptool/

Let’s explore your options and see what programs may now be available to you.

Contact your local Integrity Home Mortgage loan officer today!

For informational purposes only.

Qualification guidelines apply. Program availability and eligibility subject to change without notice. This is not a commitment to lend.

Mike Sprinkel
[email protected]
(540) 219-8696

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation (IHMC) is not affiliated with or acting on behalf of or at the direction of the Federal government.

06/08/2026

June is National Homeownership Month!

A home can mean something different to everyone. It might be a place to build memories, put down roots, or simply have a space that's your own.

When you think about homeownership, what is the first word that comes to mind?

Share it in the comments below.

Mike Sprinkel
[email protected]
(540) 219-8696

06/05/2026

The right questions early on can make the homebuying process feel a lot smoother later.

Questions about budgeting, loan options, upfront costs, and timing all play an important role in building a stronger plan from the beginning. Taking time to understand your options early can help you feel more confident and prepared as you move forward.

Every buyer’s journey looks different, and starting the conversation early can help make the process feel a little less overwhelming.

Mike Sprinkel
[email protected]
(540) 219-8696

06/03/2026

Buying a home starts before the house search does.

Taking time to understand your budget, explore your loan options, and prepare early can make the process feel much less overwhelming.

From upfront costs to monthly expenses beyond the mortgage, having a clearer picture from the beginning can help you feel more confident as you move forward.

Every buyer’s situation is different, and there is no one-size-fits-all approach to homeownership. Starting the conversation early and understanding your options can help make the experience feel smoother from start to finish.

Mike Sprinkel
[email protected]
(540) 219-8696

06/02/2026

Not every investment property fits into a traditional financing model.

Our DSCR Loan Program offers financing solutions for eligible borrowers using property cash flow rather than traditional income or employment verification. Short-term rentals may qualify with AirDNA reports.

Loan amounts up to $3M

Purchase & refinance options

Interest-only options available

Business purpose loans available in select states: AL, CO, FL, GA, LA, MO, NC, NM, OH, OK, PA, SC, TN, TX, VA, and WV.

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines.

This is not a commitment to lend. Integrity Home Mortgage Corporation serves as a mortgage broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this loan program.

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

Mike Sprinkel
[email protected]
(540) 219-8696

05/27/2026

Opening Doors to Homeownership with Our No Ratio Home Loan Program!

Not every borrower fits into the traditional mortgage box — and that is okay.

Our “No Income No Employment” loan program is designed for borrowers who may have strong assets or credit, but limited income documentation or unique financial situations. This program does not use traditional debt-to-income ratios for qualification.

Perfect for:

Self-employed borrowers
Commission or GIG workers
Influencers, artists & vloggers
Online or cash-based business owners
Borrowers with strong credit but higher debt levels

Program highlights include:

Fixed & ARM options available
No personal income or employment verification required
First-time homebuyers welcome
Gift funds allowed
Loan amounts up to $2M for qualified borrowers
Eligible for primary and second homes

Because homeownership should not be one-size-fits-all. Let’s explore solutions that work for your unique financial picture.

Minimum loan requirements may apply. Program not available in DC, MD, PA, or WV.

Integrity Home Mortgage Corporation serves as a mortgage broker and arranges loans through a third-party lender and does not make mortgage loan commitments or fund mortgage loans within this program. For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Mike Sprinkel
[email protected]
(540) 219-8696

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

05/26/2026

When buying a home, you may hear different terms related to “mortgage insurance.” While they sound similar, they serve different purposes depending on your loan type. Here is a quick breakdown:

Private Mortgage Insurance (PMI)
Typically required on Conventional loans when putting less than 20% down. PMI protects the lender — not the borrower — but it helps buyers purchase sooner with a lower down payment. The good news? PMI can often be removed once enough equity is built in the home.

FHA Mortgage Insurance Premium (MIP)
FHA loans require mortgage insurance regardless of down payment amount. FHA loans are popular for first-time homebuyers because they offer flexible qualification guidelines and lower down payment options.

VA Funding Fee
VA loans do not require monthly mortgage insurance, which is a huge benefit for eligible Veterans and active-duty service members. Instead, there is typically a one-time VA Funding Fee that may be financed into the loan amount in many cases. Some Veterans may qualify for an exemption.

USDA Guarantee Fee
USDA loans also do not have traditional mortgage insurance, but they do include upfront and annual guarantee fees to help support the program. USDA loans are designed for eligible rural areas and may offer 100% financing.

Homeowners Insurance
This is different from mortgage insurance and is required on all mortgage loans. Homeowners insurance helps protect your property against damage, theft, and certain losses.

Every loan program is different, and understanding the costs upfront can help you choose the best option for your financial goals. Have questions about which loan program may be right for you? Let’s talk!

For informational purposes only. All mortgage loan applicants are subject to underwriting and qualification guidelines. This is not a commitment to lend.

Mike Sprinkel
[email protected]
(540) 219-8696

Address

700 Southridge Parkway, Ste 315
Culpeper County, VA
22701

Website

https://ihmcloans.com/mike-sprinkel/

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