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Lower Mortgage is just around the corner and ready to help. Our licensed loan officers bring local expertise and a refreshingly real approach to home financing. Our mortgage officers are here to guide you through every step, whether you’re buying a home, refinancing to lower your payment, or using your home’s equity for cash. With simple, transparent options, we make the process easy and tailored to your needs.

My SPI Loan in South Padre Island, TX offers a streamlined mortgage application process with the #1 wholesale lender in the country, promising a faster, easier, and more affordable experience for home purchases and refinances. Located at 5800 Padre Boulevard, My SPI Loan provides personalized service by appointment, allowing clients to conveniently start their mortgage journey with a direct application link and access to social reviews for added assurance.Generated from the website

Meet Phillip Alonzo, your dedicated loan officer based in Laguna Vista. Specializing in personalized mortgage solutions for repeat home buyers, first-time buyers, real estate investors, and homeowners looking to refinance, they are your seasoned expert on all things mortgage. Whether you want to explore Conventional loans, FHA loans, VA loans, Jumbo loans, home improvement loans, USDA home loans, or grant and down payment assistance, Phillip Alonzo is your go-to guide through the process. Connect with them today to learn more about our services, view customer testimonials, and start your mortgage prequalification process. Check out our mortgage blog for insights on current mortgage rates and trends, and feel free to use our mortgage calculator to estimate monthly payments. With their expertise, you'll stay ahead with accurate information on today's mortgage rates, helping you achieve your homeownership goals.