Dave Spencer
Branch Manager & Mortgage Loan Originator
At IHMC, you will find a creative team of mortgage loan originators available to assist you in finding the financing that suits your needs. We specialize in custom mortgages with lending solutions to best support your current life situation... Show More
Location & Business Hours
Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Very pleasant experience with the whole crew at our closing
Reply from Dave Spencer
August 19th, 2026 04:26 PM
HI Mark, enjoyed working with you very much! Enjoy the new home and back yard!
Dave answered all of my questions quickly and in terms that were easy to understand. I had taken a while to find the right house for me and Dave showed great patience throughout the entire process.
Reply from Dave Spencer
August 13th, 2026 11:47 AM
Kaitlin, I am so happy to help you get into your first home! You did a fantastic job of handling everything. All the best!
Attentive and professional great experience
Reply from Dave Spencer
August 4th, 2026 06:08 PM
Stuart, thanks for the review! It was great working with you!
Extremely responsive, provided excellent guidance and support .
Reply from Dave Spencer
August 1st, 2026 09:20 PM
Leitha, it was great to work with you and Stuart to build your new home. I am so happy that it turned out just the way you wanted! All the best!
Dave is very knowledgeable and walks you through the entire process. There are no surprises when working with him. I've been fortunate enough to work with him 3 times and wouldn't consider an alternative. Thank you, Dave! We greatly appreviate...
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Reply from Dave Spencer
July 31st, 2026 05:39 PM
Cyndi, it is always so wonderful to work with you! I am so happy you found a new home. Please keep in touch and I hope to see you soon!
Dave and Brenda were very knowledgeable and made the entire process seamless.
Reply from Dave Spencer
July 23rd, 2026 06:59 PM
Will, we enjoyed working with you very much! So glad to have you back in Culpeper!
Dave and team were so incredibly professional, knowledgeable, and responsive. It truly felt like we had a partner helping us navigate the buying process. Would highly recommend!
Reply from Dave Spencer
July 22nd, 2026 03:45 PM
Thanks Karen! You and Will were wonderful to work with and on top of everything. Welcome back to Virginia and Culpeper!
Dave is so responsive and knowledgeable about this industry which was crucial for us through our first time home buying process. He's the best of the best!
Reply from Dave Spencer
July 16th, 2026 05:49 PM
Thank you so much Hayleigh! You were wonderful to work with and never hesitate to reach out if I can help with anything!
Dave helped educate my partner and I, as well as answer any questions throughout the entire process. He was there for us in any way we needed. We are so grateful to have had such a great experience with such smoothness and ease.
Reply from Dave Spencer
July 16th, 2026 05:50 PM
Thanks Lizzy! Enjoy your new home! Please call if there is anything I can help with.
Great service and communication couldn't have asked for anything better
Reply from Dave Spencer
July 16th, 2026 05:52 PM
Thanks Justin! Enjoyed working with you and you did a great job with handling everything!
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About
At IHMC, you will find a creative team of mortgage loan originators available to assist you in finding the financing that suits your needs. We specialize in custom mortgages with lending solutions to best support your current life situation. We have an array of home loan programs to choose from and will educate you and walk you through the process every step of the way. With our team of experienced loan officers, we will make your experience as hassle free as possible. Whether you are a first time home-buyer or a seasoned homeowner we are here to assist you with your mortgage financing. We understand that it is more than just an investment; it’s your home.
Products & Services
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2014
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1210340