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
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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Dave Spencer has received a review with 5 star rating from William A
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!
So helpful and always there when you need something or had questions! Great experience with Integrity Home
Reply from Dave Spencer
July 14th, 2026 09:40 PM
Preston, it was so great to work with you and Lizzy to help you purchase your first home! You did a great job of handling everything! Thanks again for your trust and business.
Very responsive!
Reply from Dave Spencer
July 14th, 2026 06:08 PM
Thank you Luther. It was wonderful to work with you and Laura on your new build!
Dave was FANTASTI. He went above and beyond for us and we couldn't have had a better lender on our side. Thank you for everything Dave!
Reply from Dave Spencer
July 13th, 2026 10:34 PM
Good evening Katie! Thanks for the kind words. I enjoyed working with you and Justin very much and am happy to get you into your first home!
Dave is very easy to work with. He's also very helpful at any point he was always ready to answe questions or concern!
Reply from Dave Spencer
July 13th, 2026 10:40 PM
Thomas, it was great working with you! You did a great job of handling everything. Enjoy your new home!
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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