First Mortgage — Spero Financial is a mortgage from Spero Financial. The ongoing APR is 30 Year Fixed - Conforming 7.375% APR 7.546%; 20 Year 7.500% APR 7.722%; 15 Year 6.875% APR 7.144%. Typical credit limit: Conforming ... up to $832,750 (subject to county loan limits). Loan terms: 15, 20, or 30-year fixed-rate mortgage ... or choose an adjustable-rate mortgage.