Spencer Wartman Trident Home Loans

Email: [email protected]
Tel: 913-645-1185


Mortgage Loan Originator

NMLS #2109932

About Spencer: Spencer Wartman is a Loan Originator at Trident Home Loans, a veteran-owned and operated mortgage lender located in Pensacola, FL. Since 2021, Spencer has specialized in helping veterans utilize their VA loan benefits for both purchases and refinances across the various states he is licensed in. His dedicated initiative in the lending environment allows him to seamlessly navigate through the toughest difficulties for his clients. His passion for helping veterans comes from his 16 years of service in the United States Air Force and Missouri Air National Guard. Spencer is currently a Lieutenant Colonel in the Missouri Air National Guard at Whiteman Air Force Base as a B-2 Stealth Bomber pilot. Before the B-2 he was an Air Force active-duty KC-10 pilot and a 2006 graduate of the United States Air Force Academy. Spencer has flown 809 combat hours over a course of four deployments in multiple combat zones earning four Air Medals and is a veteran of Operations Iraqi Freedom and Enduring Freedom. He has also led and operated in four various B-2 Bomber Task Forces throughout the globe. Most importantly, he a devoted husband to his wife Liz and the proud father of their two fantastic daughters.

Products We Offer


Customer Reviews

Matt P.

Veteran Airline Pilot

Spence & Tara were very helpful in navigating our VA home loan, despite constant challenges from poor communicators from other parties. They stayed on top of everything throughout the process and helped to get all the parties across the finish line within an acceptable time frame. When a couple last-minute delays threatened the loan lock, Trident did us a solid and ate the costs for a couple days of extensions – very helpful when the last thing we wanted to deal with in the end was last-minute rewrites and $ adjustments. I would definitely shop Trident again and can confidently recommend that my friends check them out!


“Pays for itself. Tara and Spencer helped us in securing our mortgage. They are an absolute pleasure to work with, and extremely efficient. I highly recommend them.”

Omar R.

Veteran / Airline Pilot

“Spence, Tara and the entire team are a class act! Personal, helpful and available thru every aspect. Thank you!”

Matthew F.


“Spencer was a professional and very helpful with our roller coaster of house searching!”

Jason B.


“Trident was absolutely awesome! Spencer was the MLO I worked with, and he was absolutely great. Helped me feel super comfortable and I never felt pressured to make any decisions, definitely just helped me make the best decision for me and my family. And Tara, the loan processor I worked closely with, was phenomenal. I felt like she went above and beyond to help with all my document submissions and making sure all the paperwork was in order. The Trident team helped me get the lowest interest rate possible, and I couldn’t see myself having any better of an experience. They’re the best lenders I’ve ever worked with (this is my 3rd Home Loan I’ve gotten), and I plan on using them again in the future if I get another mortgage. I will absolutely recommend them to everyone that tells me they plan on buying a new home.”

Jacob P.


“Spencer and his team at Trident Home Loans were great to work with. Above and beyond and very responsive. We used them to complete our new construction va home loan. Fully recommend!”

Scott R.

Veteran / Airline Pilot

“Fantastic work by Spencer and his team. They found by far the best rate for us and worked efficiently with us to close as fast and efficiently as we needed to. Highly recommend Trident!”

More Information

State Licenses

Arizona: 1037265, California: CA-DFPI2109932, Colorado: 100530949, Florida: LO102668, Indiana: 57570, Kansas: LO.0047521, Kentucky: MC766029, Michigan: 2109932, Minnesota: MN-MLO-2109932, Missouri: 2109932, North Carolina: TI-210566, Oklahoma: MLO31537, Tennessee: 2109932, Utah-DRE: 12931139, Virginia: MLO-63429VA, Washington: MLO-2109932.


Spencer Wartman | Trident Home Loans


Badge Designs

6723 Plantation Road, Pensacola FL 32504