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.