Troy Spears Photo

Troy Spears

Mortgage Banker


Troy Spears studied Finance at Cleveland State University. At the age of twenty, Troy began his career in the mortgage industry. Growing up with a mother in real estate, he found his passion with helping people understand finances and the path to home ownership. While living in Cleveland, he spent several years as a Loan Officer helping home buyers with down payment assistance programs and grants. Son of a veteran, Troy takes pride in serving the veteran community with financial advice while creating financial flexibility within the client’s current situation.

Being around the real estate industry his entire life, Troy has the knowledge and expertise to help each borrower structure the most beneficial mortgage that aligns with the client’s financial goals. Troy exemplifies excellence by understanding his customers’ immediate and long-term goals, which enables him to put himself in his client’s shoes, allowing for mortgage tranquility. Helping hundreds of clients, he comprehends the disconnect and misconceptions of the home buying process and bridges the gap of understanding in an organized and efficient manner. Due to his extensive knowledge of active programs, along with efficient problem-solving skills, Troy will ensure you receive proper guidance as you pursue one of the largest financial investments of your lifetime.

Troy resides in Medina, Ohio with his Fiancé Julia, and three children, Lillian, Adalyn and Troy Jr. He is active in coaching his daughter Lillian in soccer and softball. Combining his love for the outdoors and sports, Troy can be found playing softball, coaching or sitting at his fire pit under the midnight stars.


I am thankful to Mr. Spears for the outstanding work he did to refinance my mortgage. He was able to find solutions to some very tricky problems. I am impressed with his dedication and work ethic. He was always available to return my calls on a daily basis. I have not seen such a dedicated and hardworking banker in the mortgage industry in my thirty years of experience. He was always there willing to guide me through the whole process. I again thank him for all he did and would like to work with him in the future.

- Ahmad S
Troy is the best mortgage broker I have ever worked with!!!!

- Brian W
Great working with Mr. Spears. He was very knowledgeable, courteous, he knew his job and kept me informed every step of the way. He was absolutely excellent through the whole process. I will definitely keep in touch with this guy and recommending to my colleagues.

- Christopher M
Troy's awesome. Responsive, helpful, problem solving- thank you!

- Daniel S
Troy Spears was great to work with from start to finish!

- Ernest L
Troy was great and went over and beyond. Great guy!

- Justin W
Troy was wonderful! He was always prompt in answering my calls and was never hesitated to respond even at odd hours. As a grave shift worker, this flexibility was appreciated! I would highly recommend using his services to any of my friends/family who are looking to refinance.

- Larry G
Troy Spears was wonderful to work with from start to finish. He was always available in timely manner and kept me well informed. He was knowledgeable, pleasant and very professional. I enjoyed the experience because of Troy.

- Lee M
I would like to particularly commend Troy Spears who worked with me on my mortgage. He was outstanding in every aspect and took what had been a very trying experience into something handled efficiently and professionally.

- Leeann H
Felt like I was dealing with friends. Very easy process.

- Lorenza R
Troy was outstanding. I felt that he did everything possible to push the paperwork through as quickly as possible.

- Mark P
Troy Spears was fabulous! I got to know him and I got to know your company. It was a very good experience! Thank you very much.

- Mary M
Troy was exceptional, he was always there willing to help at any time also help us thru the process start to finish.

- Ruth M
Troy was the best. Would recommend him to anyone. Troy, you're a gentleman and a scholar.👍 Thank you.

- Ryan L
Troy was very personal and easy to relate with. He was always accessible, which made the process seamless. Without a doubt I would refer Troy to anyone who is looking to refinance or is a first-time buyer.

- Zachary K