A mortgage lender who understands pilot pay and VA benefits — because I live both.
I’m Spencer Wartman: UPS 757 captain, Air Force veteran, and mortgage loan originator with Trident Home Loans, licensed in 19 states. I know what an underwriter needs from a pilot’s paystub and how to get every dollar out of your VA entitlement.
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Who I help
Pilots & crew
Per diem, override, probation-year pay, a new airline, a regional-to-major jump. I know how to present it so you qualify for what you actually earn.
Pilot mortgage guide →
Veterans & Guard/Reserve
VA purchase, IRRRL, cash-out, bonus entitlement, funding-fee exemptions. The math done right, in writing, before you sign anything.
VA loan guide →
Everyone else
Conventional, jumbo, FHA, investment property. Full-service lending with the same straight answers.
Common questions →
Why work with me
I fly for a living. I’ve had my own income scrutinized by underwriters, and I know how to document a line-holder, a reserve pilot, and a new hire.
I’ve used my own VA benefit, and I run entitlement and buydown numbers every week.
Licensed in 19 states, so a PCS or a base change doesn’t mean finding a new lender.
2024 NAMB Top Veteran Loan Originator.
I answer my phone. If I’m flying, you’ll hear back the same day I land.
How it works
Apply online — about 10 minutes.
We talk — a call to look at your numbers and pick the right structure.
Pre-approval letter — usually within a day of your documents, so you can make an offer with confidence.
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What clients say
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Not ready to apply? Ask me anything.
Call or text [913-645-1185] · spencer@mythl.com
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Spencer Wartman, Mortgage Loan Originator, NMLS #2109932. Trident Home Loans, NMLS #65716. Licensed in over 20 states. Equal Housing Opportunity. This is not a commitment to lend; all loans subject to credit approval and program guidelines. NMLS Consumer Access · Trident profile