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Browse mortgage lenders serving Spencer, Massachusetts. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Massachusetts before hiring.
Showing 2 mortgage lenders in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corp
130 W Main St Unit B, Spencer, MA 01562
7742410770
Mortgage House
12 Overlook Dr, Spencer, MA 01562
5086121835
Mortgage lenders in Spencer Massachusetts help home buyers and homeowners secure financing for property purchases and refinancing. Massachusetts law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local lenders understand the Worcester County real estate market and can guide you through the state specific mortgage process.
What Does a Mortgage Lender in Spencer Cost?
Typical mortgage lender costs in Massachusetts include an origination fee of 0.5 to 1.0 percent of the loan amount, appraisal fees of $400 to $700, and title insurance costing $1,000 to $2,500. Closing costs generally total 2 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need for a mortgage application in Spencer Massachusetts?
You typically need pay stubs, tax returns, bank statements, and government issued ID. Massachusetts lenders also require proof of homeowners insurance before closing.
How long does a mortgage closing take in Massachusetts?
The process usually takes 30 to 45 days from application to closing. Massachusetts law mandates a three day right of rescission for refinances, which adds time to the timeline.
Are there first time home buyer programs in Spencer Massachusetts?
Yes. The Massachusetts Housing Partnership offers the ONE Mortgage Program for first time buyers. Spencer residents may also qualify for down payment assistance through local or state programs.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Massachusetts.