Purchase · Refinance · Investment
Home financing, handled with an old-fashioned standard of care.
I'm Spencer Stalls, a mortgage loan originator with Hughes Lending Solutions, serving homebuyers and homeowners across Florida. From the first conversation to the closing table, you work directly with me.
My approach is simple: be accessible, be thorough, and treat your financing with the care it deserves. I'll explain your options in plain language and keep you informed at every step.
NMLS #1775397
“A mortgage is among the largest commitments most people ever make. It deserves the same care a trusted advisor would bring — and that is exactly how I treat it.”
The Practice
How I can help
Purchase
Financing for your next home — or your first — including conventional, FHA, and VA loans. I'll help you get pre-approved and move forward as a confident, credible buyer.
Refinance
Whether your goal is a different rate, a shorter term, or access to your home's equity, I'll model the scenarios plainly so the decision is an easy one to make.
Investment & DSCR
Building a portfolio? I offer DSCR and investment-property financing for buyers whose plans reach beyond a single primary residence.
How We Work
A considered, three-step process
Consultation
We begin with a conversation about your goals, your timeline, and the numbers that actually matter to you.
Preparation
I walk you through the options available for your situation and prepare a strong, complete application — no surprises, no guesswork.
Closing
I manage the details, coordinate every party, and keep you informed straight through to the closing table.
Contact
Begin the conversation
Whether you're ready to apply or simply weighing your options, I'll give you a clear, considered answer — usually the same day.
- Telephone
- (772) 584-0479
- Serving
- Florida