Alfred Spencer · Mortgage Broker
Mortgage Solutions for Homebuyers, Homeowners & Real Estate Investors
I'm Alfred Spencer, a mortgage broker with E Mortgage Capital, Inc., serving Detroit and Michigan, as well as borrowers in other states where I'm licensed. Explore home purchase and refinance options, HELOCs, self-employed financing, and DSCR investment property loans.
Why Work With Al
A mortgage experience built on clarity and trust
Personalized Guidance
Financing recommendations tailored to your goals, your finances, and your timeline — not a one-size-fits-all rate quote.
Clear Education
I help you understand your options, evaluate costs, and make informed decisions at every step of the process.
Responsive Communication
You get clear answers and regular updates so you always know where your loan stands and what comes next.
Multi-State Licensing
Licensed across six states, so I can help whether you are buying, refinancing, or investing close to home or across state lines.
Mortgage Tips With Al
Short, practical tips — straight from Al
Follow along for quick mortgage education across social platforms. New videos are added regularly.
Mortgage Programs
Explore financing solutions for every goal
First-Time Homebuyer Programs
Guidance and program options for buyers purchasing their first home.
FHA Loans
Government-insured financing with flexible qualification considerations.
VA Loans
A benefit earned by eligible service members, veterans, and qualified surviving spouses.
Down Payment Assistance
Programs that may help eligible buyers cover down payment and closing costs.
HELOC / Home Equity
Access the equity in your home through a line of credit or loan.
About Alfred
Alfred Spencer
I'm Alfred Spencer (NMLS #376123), a mortgage broker with E Mortgage Capital, Inc. (NMLS #1416824). I help borrowers in Detroit and across Michigan, and in other states where I'm licensed: Tennessee, Florida, Missouri, New Mexico and Connecticut.
Real estate investors are a core focus of my work. I help investors explore DSCR loans, which evaluate a rental property's income against its debt payments, along with rental property purchases, cash-out refinances, and financing for LLC-owned properties.
Investors weigh cash flow, rental income, leverage and financing costs differently than traditional homebuyers. I help you compare financing structures and understand the numbers before you decide.
If you're self-employed, you may have options beyond traditional tax-return documentation. Depending on the program, bank statement loans and other alternative income documentation may be available.
For traditional homebuyers and homeowners, I can walk you through FHA, VA and conventional loans, first-time buyer and down payment assistance programs where available, HELOCs, and refinancing.
All loans are subject to credit approval and underwriting. Program availability, terms and eligibility vary by state and borrower. Alfred Spencer, NMLS #376123 | E Mortgage Capital, Inc., NMLS #1416824.
Real Estate Investor Financing
Financing strategies built for real estate investors
Investors evaluate financing differently from traditional homebuyers — cash flow, rental income, leverage, financing costs, and long-term objectives all matter. I help you understand the numbers and compare the structures available to you.
DSCR Loans
Qualify using the property's rental income and debt-service coverage ratio instead of personal income — a common path for investors building a portfolio.
Rental Property Financing
Financing for single-family rentals, small multifamily, and short-term rentals, structured around your investment goals.
Cash-Out Refinance
Access equity in an existing investment property to fund renovations, additional purchases, or other opportunities.
LLC & Entity Loans
Explore financing options that allow title to be held in an LLC or business entity for asset protection and portfolio structuring.
Not a commitment to lend. All loans are subject to credit approval. Investor loan programs and terms vary.
Client Reviews
Trusted by borrowers across six states
Client reviews coming soon
Verified written reviews and video testimonials will appear here once added. We do not publish fabricated testimonials.
Mortgage Education
Learn before you borrow
Ready to Explore Your Mortgage Options?
Let's find the financing that fits your goals.
Start your qualification on my secure application and I'll personally review your options with you.
Contact Alfred
Have questions? Let's talk.
Call directly, schedule a consultation, or start your qualification online. I'm here to help you explore your options — no pressure, just clear guidance.
Prefer to start online?
Complete a quick qualification on my secure application and I'll follow up with personalized options.
Start My QualificationOr send a message