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MARITIME PROPERTIES · MORTGAGE FINANCING

A clear path to your next property.

Mortgage information and loan resources, with personal guidance from Steve Spiro.

Buying, refinancing, or investing? Explore financing that fits your property, income, and goals—with help at each step.

Start your application with Steve →

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Illustrative Southern California Mediterranean home with a terracotta tile roof, blue front door and flowering garden
Illustrative home · AI-generated, not a property listing.

FINANCING WITH PERSONAL GUIDANCE

Your property. Your goals. A plan that fits.

01

Explore your options

Discuss your purchase or refinance, how you document income, and the funds you plan to use. Steve can help you understand available programs and requirements.

02

Look beyond standard financing

Steve offers bank-statement financing for self-employed borrowers. For investment-property loans and broader non-QM options, connect with John Perez at Maritime Properties.

Compare Steve’s and John’s financing options
03

Move forward with support

Begin an application and connect with Steve to review your options and next steps. Ask about credit authorization before proceeding with a credit check.

PLAN YOUR MONTHLY PAYMENT

See the whole payment.

Estimate principal and interest, then include property taxes, insurance, HOA dues, and mortgage insurance.

Select Calculate payment to update your estimate.

Conventional-loan estimate: PMI is $0 at 80% LTV or lower. Above 80%, we use the loan amount × the annual PMI rate ÷ 12. The 0.50% default is a budgeting assumption, not an insurer quote; replace it with your quoted rate. Actual rates depend on credit, LTV, loan terms and insurer. FHA, VA, USDA and non-QM programs use different rules.

Enter your details, then select Calculate payment.

What goes into your payment?

Principal & interest

Principal repays the amount borrowed. Interest is the cost of the loan. This calculator spreads both over the selected loan term.

Taxes & insurance

Property taxes support local services. Homeowners insurance covers eligible property losses. These costs may be collected through an escrow account with your mortgage payment.

HOA & mortgage insurance

HOA dues support community services and amenities. Mortgage insurance protects the lender and may be required depending on the loan program and down payment.

YOUR MORTGAGE CONTACT

Steve Spiro

Principal Broker & Mortgage Loan Originator | Maritime Properties

Standard home financing and bank-statement loans for self-employed borrowers. Discuss your purchase or refinance and take the next step with a clear plan.

NMLS #1097399 · CA DRE #01102481

Call Steve · 949-212-3492Apply with Steve →Book a 15-minute consultationstevespiro.maritimeproperties@gmail.com