VA loans · Conventional · Airline pilot mortgages
The lender who sits in the same seat
I’m Spencer Wartman: current airline pilot, Air Force veteran and mortgage loan originator with Trident Home Loans. I know how an underwriter reads a pilot paystub and how to get the most from a VA entitlement, because I deal with both in my own life.
20+
years of military service
Multi-state
licensed in multiple states
21
Aero Crew News articles
CVLS
NAMB Certified Veterans Lending Specialist
Start where you are
I fly for an airline
New-hire class dates, captain upgrades, equipment changes, reserve versus line pay. I document pilot income the way underwriting needs to see it.
I served or am serving
VA purchase, IRRRL, cash-out, second-use entitlement and funding fee exemptions. The entitlement math done in writing before you make an offer.
I just need a good lender
Conventional, jumbo, FHA, USDA, second homes and investment property. Same direct answers and same response time.
What clients say
“We had trouble finding a local lender who understood the complexity of airline pay and military VA benefits. Trident nails both of these perfectly.”
Elliot S. · August 2026
“Spence, Tara and the entire team are a class act! Personal, helpful and available through every aspect.”
Omar R., veteran and airline pilot
“I was able to go from offer accepted to closing in three weeks.”
Joseph M., first-time buyer · August 2026
Where you may have seen me
- Aero Crew News, monthly mortgage columnist
- VeteranPCS lender directory
- NAMB Top Veteran Loan Originator
From my Aero Crew News column
The Upgrade Effect
What a captain upgrade, airline switch or equipment change does to the income a lender can use.
Using Your VA Loan When Moving
For veteran pilots whose base change means a new home.
The Lock-In Trap
Why a low existing rate does not have to keep a pilot from moving.
Why work with me
- I fly for a living. Pilot pay structures are not new to me or to my team.
- I have used my own VA benefit and run entitlement, funding fee and buydown numbers every week.
- Trident prices across multiple investors and may offer lender-paid temporary buydowns on eligible loans, which gives me more options when structuring your loan. Availability depends on the program and your qualifications.
- I answer my phone. If I am flying, you hear back the day I land.
How it works
- Apply online. The questionnaire takes about 10 to 15 minutes.
- We talk. One call to go through your numbers and choose the right loan structure.
- Get pre-approved. Once your documents are in and reviewed, qualified borrowers receive a pre-approval letter to use when making an offer.
Ready when you are
Apply online, or call or text 913-645-1185 and ask me anything first.