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What makes us different?

We fully understand that most originators operate in the mindset of closing the easy loans only. At Creative 1st Mortgage, we understand there are so many more people to be served if someone does the challenging loans, too.

We built Creative 1st Mortgage in the mindset of helping those that others won't.

Begin your home loan process today

Here's a list:

  • FHA Loans

  • Conventional Loans

  • VA Loans

  • USDA Loans

  • ITIN Loans

  • No DTI Loans (Primary and Investment)

  • Investment Loans

  • DSCR Loans

  • Bank Statement Loans

  • 1099 only Loans

  • Asset Based Loans

  • HELOC/HELOAN

  • The list goes on...

Find Your Broker

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Jason Maxam

Broker/Owner

205-585-2966

[email protected]

NMLS# 330918

For over two decades, I have had the privilege of serving the wonderful communities of Alabama, specializing in purchase and refinance loans for residential homes. With a steadfast commitment to excellence, I am proud to be part of a full-service mortgage lending company that prioritizes providing exceptional service to both our clients and trusted real estate partners. My goal has always been to simplify the mortgage process, ensuring that every client feels confident and well-informed as they take important steps toward homeownership or financial freedom.

As an experienced mortgage broker, I have the unique advantage of working with a wide network of investors across the country. This enables me to offer my clients a variety of loan products tailored to their specific needs, as well as some of the most competitive rates available in the market. I am passionate about finding creative solutions and leveraging my expertise to help clients navigate even the most complex financial situations. My dedication to staying ahead of industry trends ensures that I am always able to provide the best options and strategies for those I serve.

With nearly all of my business driven by client referrals, my mission is to deliver a level of service that exceeds expectations and earns trust. I take great pride in building lasting relationships and becoming a dependable resource for all mortgage-related needs. Whether you are a first-time homebuyer, an experienced investor, or simply looking for guidance on your next financial move, I would be honored to serve as your local mortgage professional. Please feel free to reach out with any questions or to explore how I can assist you on your journey.

Jason is licensed in:

  • Alabama

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Ryan Speltz

Broker/Owner

727-914-9397

[email protected]

NMLS# 1277170

As the co-owner of Creative 1st Mortgage, I’ve dedicated my career to helping individuals and families achieve their financial dreams. Based in St. Petersburg, FL, I’ve spent over a decade serving my community through personalized guidance and creative loan solutions. When I’m not working, I enjoy spending time in Puerto Rico with my wife, Carrie, and our son, Nolan. Family and community are at the heart of everything I do, and I’m passionate about using my expertise to make a positive impact.

My approach to mortgage lending is centered on providing options, not one-size-fits-all solutions. I believe in helping my clients fully understand the loan products available to them so they can make the best decision for their personal scenario. Whether it’s VA, FHA, Conventional, USDA, or Non-QM loans, I work hard to ensure my clients feel empowered and confident throughout the process. It’s this dedication to transparency and client success that has earned me a spot as one of the top five mortgage brokers in St. Petersburg, according to Google Reviews.

At Creative 1st Mortgage, my mission is to serve the communities I’m a part of and help people change their financial futures. Whether you’re a client looking for guidance or a real estate agent trusting me with your referral, you can count on me to provide exceptional service during the loan process and long after closing. Nothing is more rewarding to me than seeing my clients succeed, and I’m here to help every step of the way.

Ryan is licensed in:

  • Florida

  • Minnesota

  • Texas

  • Alabama

  • Kentucky

  • Tennessee

Mortgage programs tailored just for you

Explore perfect mortgage programs designed for first-time homebuyers, payment reduction,

or equity enhancement, guiding you toward your homeownership goals.

Purchase

Open the door to your dream home today

We provide a wide range of mortgage options, including fixed-rate, adjustable-rate, and specialized financing, tailored to meet individual financial needs.

Refinance

Maximize your finances by refinancing

Benefit from our mortgage company's highly competitive interest rates, securing the best deals for long-term savings.

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Creative 1st Mortgage, LLC NMLS #2614631 is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.

Your broker or loan originator may have additional Terms of Use relating to your use of this website.

For more information, please contact your broker or loan originator at the email or phone number at the top right of the page.

Creative 1st Mortgage, LLC | NMLS# 2614631 | Licensed in AL, FL, KY, MN, TN, TX | 727-914-9397 | [email protected] | 447 3rd Ave N #210 Saint Petersburg, FL 33701 | Equal Housing Opportunity | Pursuant to the requirements of Section 157.0021 of the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. | COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

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