Homebuying Starts Here
Unlock the Spirit of Possibility with a home loan from Spirit Mortgage. Whether you’re buying new, building or expanding, we’ll help you select the perfect loan.
Check Out Our New App!
Download the app for even more features like secure mobile document scanning and payment calculation.
- Calculate payments easily
- Securely scan & upload docs from your phone
- Message your loan officer instantly
- Get updates as you go
Let’s Get Prequalified
Prequalification lets everyone involved know you are a serious buyer and will make your home purchase offer stronger. It can also help you save time down the road. Our team will help you get a better idea of your potential loan amount, monthly payment and interest rate. Our online application only takes a few minutes. It helps to have the following information available for yourself and any other borrower as you get started:
- Social Security Number
- Employer Contact Information
- Estimated Gross Income, Assets and Liabilities
Meet Our Team
You’re not in this alone, the entire Spirit Mortgage team is available to help you navigate the homeownership process. You can rely on the expertise of your personal mortgage loan officer to help you find the right loan for your dream home as well as the knowledge and experience of an entire team who works behind the scenes to ensure your loan closes on time. We’re the best in the business, so put our experience to work for you.
Kris Bilbrey
Kbilbrey@spiritmortgage.net
NMLS 1048735
Staci Ortiz
sortiz@spiritmortgage.net
NMLS 479447
Scott Smith
ssmith@spiritmortgage.net
NMLS 849206
Brice Foster
bfoster@spiritmortgage.net
NMLS 959338
Mortgage Loan Process
Buying a home is an exciting milestone! We’re honored to be a part of the process. Here’s a quick look at what you can expect during your journey to homeownership:
1 Get Prequalified
Understand how much you can borrow and show sellers you’re ready to make a strong offer.
2 Find Your Home
This is the fun part! Work with your real estate agent to find the home that’s just right for you.
3 Apply
Our quick and easy online application lets you submit documents and track your progress from anywhere. Our Mortgage Loan Officers are ready to help you choose the perfect loan!
4 Close The Deal
Sign the closing documents, get the keys, and meet the movers — it’s time to start the next chapter of your life! Welcome home!
About Spirit Mortgage
As a division of First United Bank, our mortgage company is built on the Founding Principles of GENEROSITY, LOYALTY, INTEGRITY and COMMUNITY. Principles that have guided the Bank for more than 118 years of service throughout West Texas.
- With plenty of loan options available, we’ll work together to find the right loan program to meet your needs.
- We are a West Texas-based team, meaning decisions about your loan are made locally.
- We’ll stay in constant communication to ensure the process runs as smoothly as possible.
- Our entire home mortgage process is online allowing you to submit your application and supporting documentation from within your personal portal at a time that works best for your schedule.
- And, we’ll still be here to help, even after the closing documents are signed and the keys are exchanged.
What Next?
Well, you’re still reading, so maybe you’re not quite convinced yet — or maybe you just still have some questions. Either is okay. This is a big step, but don’t forget the dream! And if you still have questions, any one of our team would be happy to walk you through those questions and help you find the answer that’s right for you — no high-pressure sales tactics. If you just like to finish things and are ready to go, click the button below and get prequalified to start finding your dream home!
Get Prequalified