Jason Spears

Sales Manager, Producing
NMLS # 211640
State Lic AZ #LO-0911704
Se habla español.

I have been a mortgage professional for over 20 years. I have the expert knowledge in Conventional, FHA, VA, USDA Rural Housing, and other mortgage loan programs. My office in Chandler, Arizona has our own full-time underwriters, doc drawers, and funders to ensure we continue our goal to NEVER miss a closing. We ARE the bank as we lend our own money, which keeps our team involved throughout the loan process.

It is imperative that you INTERVIEW anyone you are consulting for assistance in the buying or refinancing process: How long have you been in the business? Are they a bank or broker? Do they have a local underwriter and funder in their office? Also, you should be able to get an interest rate quote in the first 5 MINUTES you speak to someone. Lastly, when mortgage shopping make sure to get quotes from your prospective lenders within the same hour of each other. With the volatile market, rates change daily, so be prepared for that.

Rest assured, the SpearsTeam will work hard to provide you with the most professional service available and make this a smooth and stress-free process. I am always available for questions, referrals, or anything you just want to check on!

Your Home Value

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Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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