We make dreams come true.
For people who’ve realized current conventional finance programs don’t work — ITIN borrowers, self-employed families, and investors who need to move before the bank can.
Licensed in Texas · NMLS #[Add NMLS] · Equal Housing Opportunity
Three ways we get people to the closing table.
Spero is a mortgage brokerage, which means we shop lenders for you instead of selling you one bank’s products.
ITIN Path to Ownership
A seller-finance program run with Camden Homes that lets ITIN holders buy a brand-new home — no Social Security number required.
Hard Money for Investors
Fix and flip, ground-up construction, and bridge capital priced for speed, closed on your timeline rather than a bank’s.
Traditional Mortgages
Conventional, FHA and VA financing through our lender network — with a broker whose job is to shop the whole market for you.
You don’t need a Social Security number to own a home.
Most lenders stop reading an application the moment they see an ITIN. We built a different path: a seller-financed program in conjunction with Camden Homes, where the home itself is the financing partner — brand-new construction, a real deed, and a payment that builds your equity instead of your landlord’s.
- ITIN accepted — no Social Security number required
- Brand-new Camden Homes construction, not fixer-uppers
- Documented income counts, even when it’s self-employed
- Bilingual process from first call to closing — hablamos español
What the program looks like
- Down payment from [X]% of the purchase price
- Terms structured over [X] years
- ITIN letter, ID, and [X] years of income history
- Typical close in about [X] days
- Available in [list metro areas]
Bracketed figures are placeholders — replace them in Elementor once the program terms are final.
Four steps, in plain language.
No jargon, no surprise conditions the week before closing.
Tell us your situation
A 15-minute conversation about your income, your documents and the home you have in mind. English or Spanish.
We shop the options
We match you to the right program — ITIN seller finance, hard money, or a traditional mortgage — and show you the real numbers.
Get your approval
We package your file properly the first time, so underwriting moves instead of stalling.
Close and celebrate
You get the keys. We keep your file on hand for the refinance or the next deal.
Run your numbers before anyone runs your credit.
Adjust the price, the down payment and the rate to see what a month actually looks like. Nothing here is a credit pull.
Estimated monthly payment
- Principal & interest$0
- Property tax$0
- Home insurance$0
- Mortgage insurance$0
- HOA$0
Estimates only. Actual payment depends on credit, property, taxes, insurance, and final loan terms. Mortgage insurance is typically removed once you reach 20% equity and does not apply to every loan program. This is not a commitment to lend.
Hope is the name. The work is the proof.
Bilingual, start to finish
Every conversation, document walkthrough and closing explanation available in Spanish.
Broker, not a bank
We are not selling one lender’s shelf. We shop your file where it will actually get approved.
Investor speed
Hard money files move in days, not the six weeks a retail bank needs to say no.
Straight answers
If a deal does not work, we tell you why and what would change the answer.
What people say once they have the keys.
These are placeholders — swap in real quotes and names before launch.
“[Add a real client quote here — what they were told was impossible, and what happened instead.]”
[Client name]
[City, TX — ITIN program]
“[Add a real client quote here — what they were told was impossible, and what happened instead.]”
[Client name]
[City, TX — Fix & flip investor]
“[Add a real client quote here — what they were told was impossible, and what happened instead.]”
[Client name]
[City, TX — First-time buyer]
Let’s find out what’s possible.
Tell us where you are today — renting, self-employed, ITIN-only, or three deals deep. We will tell you honestly what it takes to get you financed.