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Erik Spencer

Erik Spencer

NMLS ID: 187020; Company NMLS ID: 1591; ( Click here for full licensing

Home Loan Specialist


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VIP Code:7038015569


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What I Believe

“ Since peoples homes are often their biggest asset and their biggest liability, their choice to have mortgage debt or not has a dramatic impact on their financial and non-financial lives. Because of this, I believe that I am uniquely positioned as a mortgage professional to provide impactful, life changing consultation and service to the people I touch in both my professional and personal circles. I do this by assessing peoples lives much like a financial planner would, with their life goals in mind first. We then work backwards from those ideas to craft the best long term financial strategies possible around their real estate to help achieve those life goals. In doing this, I use the most cutting edge software presentation tools available in the industry to provide a full visual record of the available solutions and strategies. My clients can then confidently and comfortably choose the best strategy for themselves and their families. I feel that my relationship with my clients is a true partnership. Because of this, my obligation to my clients life goals doesn't end with a mortgage closing, so I engage with my clients in between transactions with impactful analysis of their current situations on an ongoing basis. This approach has proven itself over and over again through my 15 years as a mortgage professional as I continue to watch the thousands of clients I have served achieve the dreams and goals we originally talked about in our very first consultation. ”

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About Me

Customer Testimonials

Popular Tools & Resources


Home Buyer Starter Kit

Whether you’re looking to buy a home right now or home buying is part of your future, use this Starter Kit that shares 10 easy steps to make the process as simple as possible.

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Refinancing Starter Kit

Refinancing can be a vital step in paying off your home loan early. We’ve put together a toolkit to help get you started and to help you understand what to expect along the way.

Get Your Free Guide


Mortgage Calculators

Run the numbers to find out how much you can save by refinancing your home loan or what your payments will be for your new home with these quick and easy mortgage calculators.

Crunch Some Numbers!

Popular Articles

We work hard to make sure you have up-to-date information so you can make a smart financial decision when it comes to your mortgage. Check out some of our most popular articles.



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Erik Gaylord Spencer NMLS ID: 187020; Company NMLS ID: 1591 (; Branch ID: 134213; DC-MLO187020; FL-LO22062 ; MD-0017190; NC-I-156940, Churchill Mortgage Corporation of TN; VA-MLO-183VA , Churchill Mortgage Corporation of TN; 505 Huntmar Park Drive, Suite 250, Herndon, Virginia 20170 Tel: 703-481-2291; All other states, Churchill Mortgage Corporation