Dave Spencer

Branch Manager & Mortgage Loan Originator
NMLS ID# 1210340

A Little Bit About Dave

Dave grew up in Illinois and is a graduate from Western Illinois University.  He first came to the area on a business trip in 1993 where he met the lovely Betsy Armstrong who has lifelong ties to the community.  After some years of courtship, the two were married and thereafter decided Culpeper would be their forever home.

Living, working and raising his sons Ben and Jack has given Dave a thorough knowledge of the local community and real estate market. His broad business and financial background enable Dave to fully assess client requirements and place them in the ideal loan package to meet their particular needs.  “I ask the right questions to ensure I provide a home loan that will not only benefit my clients now but for many years to come.”

During these unusual and unpredictable times one thing is a constant, that Dave is ready to assist you in answering mortgage related questions and providing you with a home loan that is right for you.  His office and team are equipped to assist you electronically or if you prefer meeting in person, he can provide a safe environment with hand sanitizer and masks to fit your level of comfort.  “We are in uncertain times and it is even more important than ever to guide my clients through the many market changes and find them affordable home financing.”

As rates remain favorable, it may be the right time for you to upsize, downsize or just make a change so don’t wait; call Dave today, he is ready to work for you! 

Take the first step towards home ownership!

Homebuyers Guide
About Dave Spencer
{This team is phenomenal! Dave answered ALL of my questions, no matter how silly and ran several scenarios so I can make the best informed decision in the process. He was very patient with me and exceptionally timely in his responses! The customer service was the deciding factor for me when choosing a lender.
Ambermarie S.
About Dave Spencer
{Dave was wonderful to work with. He answered all of my questions and was so very patient with me. Thank you for all your help, Dave!
Megan L.
About Dave Spencer
{This whole office is amazing to work with. Our builder made things very difficult on us and Dave and Brenda went out of their way to make sure everything was taken care of. I’m addition to that, Dave MIGHT be the nicest person in Culpeper and he went above and beyond what was expected to ensure we closed on our terms.
John O.
About Dave Spencer
{Dave was an excellent loan officer with a prompt response time and was extremely knowledgeable. Dave was able to guide me through the home buying process and lock in an excellent deal. I would recommend Integrity Home to anyone looking to purchase a home.
Charles R.
About Dave Spencer
{Dave was a huge help with the whole house buying process. He helped us every step of the way! Dave was prompt with responding to any questions we had. He broke down every piece of the loan and showed us exactly what the projected money amount would look like. We were well educated by Dave and his lending services.
Samuel W.
About Dave Spencer
{It couldn’t have been easier! Dave Spenser answered all of my questions, got me just about the best rate I could expect, and Brenda Gose provided detailed guidance on all documentation required to complete the process. I was extremely pleased!
James C.
About Dave Spencer
{This was the second time we have used Dave Spencer and his Integrity Mortgage team. First for a re-fi, and most recently for the purchase of adjoining lot. Two separate types of mortgage and quite a bit to work through, and these folks did an outstanding job making sure we fully understood each process and every step as we progressed. We will definitely be working with them for future investment properties. I highly recommend this team!
William A.
About Dave Spencer
{We absolutely LOVED working with Dave! He treated us like members of his family and took care of us every step of the way!
Courtney C.

Meet My team

Brenda Gose

Brenda Gose

Sr. Licensed Loan Officer Assistant NMLS ID#475658

540.764.4654 Office
540.317.5973 Fax

Ernesto Lamas

Ernesto Lamas

Licensed Loan Officer Assistant NMLS ID#2138070

540.812.4730 Office
540.317.5973 Fax

Culpeper Virginia

Branch NMLS ID# 1210472

700 Southridge Parkway, Ste 315
Culpeper, VA 22701


Florida Lic# LO89053
Maryland Lic# 1210340
Pennsylvania Lic# 102990
Virginia Lic# MLO-20744

Integrity Home Mortgage Corporation


122 Pilot Circle, Winchester, VA 22602

Equal Housing Lender logo