
Frank Spell was THE FIRST loan officer to join the Homestead family. Throughout the years, he has seen the company’s culture adapt and grow in ways that keep the team strong through every market shift. He’ll tell you that leadership listens—whether it’s a small tweak to follow-up procedures or a big-picture strategy—and then acts on the feedback. That openness has given Frank a true sense of belonging from the very first idea he shared in a meeting, when his suggestion was implemented almost immediately. In this Q&A, we’ll explore how authenticity has guided his success, why fulfilling a promise to his grandfather made Homestead feel like family, and how Frank continues to make lives better, one home at a time.
Q: As an “OG” loan officer, with Homestead since 1999, what has stood out to you the most over the years when it comes to our company culture?
A: One thing that has consistently stood out is Homestead’s ability to adapt. The company is never afraid to pivot with changing market conditions, and leadership has always welcomed input from the team. Whether it’s a new idea or a constructive critique, they listen—and more importantly, they act. That openness to feedback and willingness to evolve is what keeps us strong and united, even in uncertain times.
Q: Can you share a memorable experience or success story that made you feel you truly belong here?
A: Absolutely. I’ll never forget the first time I brought an idea to a team meeting. It was a simple suggestion—a tweak to how we handled client follow-ups. Nothing revolutionary. But instead of brushing it aside, leadership leaned in. They asked questions, offered feedback, and within a week, they had implemented the change.
That moment was powerful for me. It showed that my voice matters here. I wasn’t just another employee—I was someone whose ideas could help shape the future of the company. That’s when I truly felt I belonged at Homestead.
Q: What is the best advice you received in your mortgage career?
A: “People buy from people—Just be yourself.” This simple advice has been my guiding principle. Authenticity builds trust, and trust is everything in this business.
Q: Our mission statement is “Making lives better, one home at a time.” How has working at Homestead helped make your life better?
A: Homestead didn’t just give me a career—it helped me fulfill a promise and honor a legacy. When my grandfather passed away, I made a quiet promise to myself: I wanted to make him proud. I wanted to live a life that reflected the values he embodied—having a meaningful career, a loving wife by my side, and the ability to buy and sell homes, just like he did.
Homestead played a pivotal role in turning that dream into a reality. It didn’t just show me how to achieve my goals—it gave me the tools, the confidence, and the direction I needed to get there.
Today, I’m proud to say that I’ve built the life I once only imagined. I have a fulfilling career, a wonderful partner, and I’m actively involved in real estate. I truly believe that if my grandfather could see me now, he’d be smiling with pride.
Q: If you could give advice to someone considering joining Homestead, what would it be?
A: You’ve found your dream job. Now it’s up to you to make the most of it.
Frank’s journey shows that being yourself and trusting genuine relationships can shape not just a career, but a life. At Homestead he found the tools and support to honor his grandfather’s legacy, build a fulfilling partnership, and become deeply involved in the community he serves. To hear firsthand how Frank has helped clients achieve their homeownership goals, check out this customer testimonial video here.