Troy Spears

Get to know Troy Spears

Troy Spears serves as a Mortgage Loan Originator at Success Lending, a role he embraced after being inspired by his mother, who dedicated over three decades to the real estate industry. He embarked on his journey in the mortgage sector in January 2016, discovering a profound passion for finance that stems from its significant influence on individuals' lives, particularly through the processes of home buying and financial restructuring aimed at achieving personal goals. Having already assisted hundreds of homeowners, Troy feels fortunate to continue expanding his reach and positively impacting even more lives in the community.

Residing in Medina, Ohio, Troy shares his home with his wife, Julia, their three children—a son and two daughters—and their beloved golden retriever, Daisy. Outside of his professional commitments, Troy dedicates his time to family activities, church involvement, and leadership roles within a life group. He actively participates in competitive men's softball tournaments and takes pride in coaching his children's baseball and softball teams. A typical Saturday evening for Troy is filled with family fun, often featuring a spirited wiffleball game, followed by grilling and relaxing around the firepit, creating cherished memories with his loved ones.

Home Loans the SUCCESS® Way

FIRST TIME HOMEBUYERS

How exciting it is to buy your first home. I’ll help you, along with an outstanding support team, navigate the home loan process so you have the very best experience and learn about your homeownership options.

CONVENTIONAL

Conventional loans allow for 3% down and typically are fixed in terms and rate. Usually, a good-to-great credit score is needed to get the lower rates featured with Conventional loans. (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

FHA

FHA loans feature down payments as low as 3.5, low closing costs, and easier credit qualifications. Great for first time homebuyers! (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

VA

VA loans are for those who have served or are currently serving in the Armed Forces. We are honored to serve you!

JUMBO

Go big or go…home! A jumbo loan can go up to seven figures, which works if you’re buying in a high-cost area or if you just want to go big.

USDA

Living in a rural-zoned area has its perks. Zero down, lower PMI, and competitive interest rate could help you down that country road.

Who is SUCCESS® Lending?

SUCCESS® Lending is bridging the gap between homebuyers, real estate agents, and loan officers by offering a faster and smoother mortgage lending experience. With us, you’ll receive transparency through real time updates and notices, encouragement along the way – you’re not doing this alone – and understanding because we buy and sell homes ourselves, so we know that some situations require special attention.