Spencer Wartman
Spencer Wartman is a Loan Originator at Trident Home Loans, a veteran-owned and operated mortgage lender located in Pensacola, FL.
Mortgage Rates—Market Dynamics to Date in 2025
The U.S. real estate market in 2025 is experiencing significant volatility due to recent policy shifts and economic factors. President Trump's announcement of tariffs...
What to Expect for Mortgage Rates in 2025
As we enter 2025, expect a year marked by volatility and uncertainty, especially at the beginning. This is likely due to the transition to...
VA Loan Gouge—What You Need to Know
Since a decent percentage of airline pilots are veterans, this month we'll discuss the VA loan. The VA loan offers an incredible opportunity to...
Rates and Fees
In the last article, I discussed factors to consider when choosing the right lender. One of the most important factors is what you'll be...
How to Choose the Right Home Lender
When it comes to purchasing a home, whether you are a first-time buyer or a seasoned homeowner, selecting the right lender is a crucial...
Financial Pitfalls to Avoid During the Home-Buying Process
Buying a home is one of the most significant financial decisions you will ever make. It's a complex journey that requires meticulous planning and...
Understanding Closing Costs: A Guide for Homebuyers
Buying a home is an exciting journey, whether it's your first time or you're a seasoned homeowner. However, one of the less thrilling but...
Understanding Mortgage Interest Rates – What Drives Them and What You...
Mortgage rates have been on a roller coaster for the last few years. From some of the lowest rates in history to the steepest...
Being Offered Seller Credit when Buying a Home? Some Options for...
Although a buyer’s market is not currently driving the real estate arena, seller concessions are starting to become more common again. Seller credit can...
Considering Refinancing?
With rates coming down at the end of 2023, for some homeowners, mortgage refinancing may be a financial maneuver to consider. In this article,...
