Spencer Wartman

Mortgage Loan Originator

NMLS 2109932

US Air Force Veteran

Trident Home Loans is veteran-owned and operated and services residential loans of all types - VA Home Loan, VA Refinance, Residential Mortgage, Cash Out Refinance, investment properties, AIOs and more! We specialize in loans for veterans and airline pilots, but we welcome the opportunity to work with people from all walks of life.

Trident Home Loans doesn't just have the best rates: we're also a values-driven company dedicated to delivering those rates with integrity, respect, and top-notch customer service.

aerial photography houses
aerial photography houses

What Our Clients Think

"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."

"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!"
"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!"

Jacob, P.


Jason B.


"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."


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!"

Matt P.

Veteran / Airline Pilot

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

Omar R.

Veteran / Airline Pilot

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

Matthew F.


Get in Touch


Phone: 850-343-0400 ext 153

FAX: 850-343-0209