Home Loans

Backed by the spirit of west Texas

Spirit Mortgage, a division of First United Bank, helps West Texans buy, build, and refinance with local lenders, a clear process, and no high-pressure sales tactics.

Meet your

Mortgage Team

Call us at (806) 477-1470

Kris Bilbrey

SVP/Mortgage Loan Officer NMLS 1048735

kbilbrey@spiritmortgage.net

Staci Ortiz

SVP/Mortgage Loan Officer NMLS 479447

sortiz@spiritmortgage.net

Scott Smith

VP/Mortgage Loan Officer NMLS 849206

scotts@spiritmortgage.net

Emily Armendarez

Mortgage Loan Officer NMLS 2747479

earmendarez@spiritmortgage.net

Brice Foster, AMP

SVP / Mortgage Division Director NMLS 959338

bfoster@spiritmortgage.net

Kelsey Reynolds

SVP / Mortgage Operations Manager NMLS 2793466

kreynolds@spiritmortgage.net

How it works

From the First Question to the Front Door

Mortgage lending done right means clarity from start to finish. We handle the details so you can focus on finding your home.

01

Get Pre-qualified

Know what you can afford before you start shopping. Our online application takes just a few minutes and shows sellers you are ready to make a strong offer.
02

Find Your Home

This is the fun part. Work with your real estate agent to find a place that fits your family, your budget, and your future.
03

Apply

Submit your application and supporting documents from your phone or computer. Track your progress in your personal portal and message your loan officer anytime.
04

Close the Deal

Sign the papers, pick up the keys, and start the next chapter. We will still be here after closing if you have questions.

Prequalify Today

It only takes a few minutes. Your information stays secure and private, and you will get a clearer picture of your loan amount, monthly payment, and rate. Have your Social Security number, employer contact info, and a rough sense of income and debts handy.

Download today:

What sets us

Apart From The Rest

Calculate payments easily

Securely scan & upload docs from your phone

Message your Loan Officer instantly

Get updates as you go

Your Next Step

Starts Here.

Whether you are ready to pre-qualify, downloading the Spirit Mortgage app, or just exploring what is possible, our West Texas team is here when you are.