Spencer Llewellyn

Spencer Llewellyn founded Loans101 in 2008 and is a regular contributor to several financial publishing entities. Spencer's background as a loan officer originating mortgages across America shaped a comprehensive knowledge of the loan origination process including mortgage regulations, real estate transactions, personal credit reporting, housing market trends and monetary policy. Spencer has been cited in various publications including U.S. News and World Report, CBS News, Yahoo Finance and the Yahoo home page.

Spencer attended college at Embry-Riddle Aeronautical University and is also an FAA-certified Airline Transport Pilot and Flight Instructor.

How much mortgage can I afford?

How much mortgage can I afford?

Before potential homeowners apply for a mortgage, they may ask themselves the all important variable, “How much home can I afford?” It’s always a good idea to ponder affordability in advance because it means you can look for houses that fall exactly within the your price range. Read More

USDA Mortgage Loan Tips and Advice

USDA Loan Tips

The U.S. Department of Agriculture (USDA) is the agency that makes it possible for familys’ in rural areas to purchase their own home with no down payment.  USDA mortgage loans are offered to qualifying individuals and families across more than 95% of the U.S. land mass. Read More

USDA Refinance Program

USDA Refinance

The USDA Refinance Pilot Program was originally introduced in 2012 to give rural home owners a chance to take advantage of record low interest rates. This pilot program was a success, therefore the program has permanently matured into the USDA Streamline Refinance. Read More

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