Mortgage Services

Home Loans with Heart. Lending with Southern Charm.

Helping You Love Where You Live Starts Here

Buying a home is one of the biggest—and most exciting—decisions you’ll ever make. Whether you’re settling into your first house, upgrading for your growing family, or investing in a rental property, I’m here to make financing feel less stressful and a whole lot more personal.

I’m Spring Henry, your friendly, local mortgage expert (NMLS# 2425873), and I help people across South Georgia and North Florida navigate their home loan options with confidence, clarity, and care.

Helping You Love Where You Live Starts Here

Buying a home is one of the biggest—and most exciting—decisions you’ll ever make. Whether you’re settling into your first house, upgrading for your growing family, or investing in a rental property, I’m here to make financing feel less stressful and a whole lot more personal.

I’m Spring Henry, your friendly, local mortgage expert (NMLS# 2425873), and I help people across South Georgia and North Florida navigate their home loan options with confidence, clarity, and care.

Loan Services I Offer

Home Purchase Loans

Ready to buy your dream home? I’ll walk you through every step—from pre-approval to closing—so you feel confident and cared for the entire way.

Refinance Loans

Thinking about refinancing? Whether you want a better rate or to tap into your equity, I’ll help you understand your options and maximize your financial flexibility.

VA Loans

As a way to honor those who’ve served, I specialize in VA loans with zero down and favorable terms. Let’s make your next move as smooth as your service was strong.

USDA Loans

Perfect for rural and suburban areas, USDA loans offer 100% financing for qualified buyers. If you’re dreaming of a home in the quiet countryside, let’s explore this together.

FHA Loans

Ideal for first-time buyers or those with lower credit scores, FHA loans offer flexible guidelines and a clear path to homeownership.

Investment & Commercial Loans

Looking to expand your portfolio or purchase commercial property? I help investors and entrepreneurs secure the right financing for long-term success.

Home Equity Line of Credit (HELOC)

Use your home’s equity for renovations, debt consolidation, or life’s next big thing—with flexible access to funds as you need them.

Loan Services I Offer

Home Purchase Loans

Ready to buy your dream home? I’ll walk you through every step—from pre-approval to closing—so you feel confident and cared for the entire way.

Refinance Loans

Thinking about refinancing? Whether you want a better rate or to tap into your equity, I’ll help you understand your options and maximize your financial flexibility.

VA Loans

As a way to honor those who’ve served, I specialize in VA loans with zero down and favorable terms. Let’s make your next move as smooth as your service was strong.

USDA Loans

Perfect for rural and suburban areas, USDA loans offer 100% financing for qualified buyers. If you’re dreaming of a home in the quiet countryside, let’s explore this together.

FHA Loans

Ideal for first-time buyers or those with lower credit scores, FHA loans offer flexible guidelines and a clear path to homeownership.

Investment & Commercial Loans

Looking to expand your portfolio or purchase commercial property? I help investors and entrepreneurs secure the right financing for long-term success.

Home Equity Line of Credit (HELOC)

Use your home’s equity for renovations, debt consolidation, or life’s next big thing—with flexible access to funds as you need them.

Why Work With Spring?

Local expertise, personal service

Down-to-earth explanations—no jargon, no pressure

Licensed in Georgia and Florida

Backed by years of lending experience and community trust

Always just a text, email, or porch visit away

Let’s Find the Loan That Fits Your Life

Not sure which option is right for you? That’s where I come in. We’ll chat about your goals, your budget, and what feels right for your future—because home loans should feel human.