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

"I had an excellent experience working the Spencer Wartman and the team at Trident. I’ve bought and sold multiple times in the past with different companies, the ease of communication and availability of Trident’s staff went above and beyond expectations. Thanks everyone!"
"Spencer was the best partner I could have asked for to help guide me through this stressful time. He teamed up with our processor Tyana and from the first email everything was smooth. Both Spencer and Tyana were right on top of the process every step of the way. Easy choice, 10/10 will choose again."

Ken B.,


"I tried to refinance with 3 other companies in the fall. Hated the experience with them and got the run around when trying to convert a conventional into a VA. Spencer Wartman and Trident had far and away the best rates, super responsive and quick to close."

Bryan F.,


Lance L.,

Veteran/Airline Pilot

Get in Touch


Phone: 850-343-0400 ext 153

FAX: 850-343-0209