Spencer Wartman
Spencer Wartman is a Loan Originator at Trident Home Loans, a veteran-owned and operated mortgage lender located in Pensacola, FL.
The Lock-In Trap: Why Pilots Are Perfectly Positioned to Move When...
There is a quiet crisis playing out across the American housing market right now, and it has nothing to do with prices or interest...
Mortgage Outlook: A Transfer of Control at the Fed and What...
We have a new captain in the left seat at the Federal Reserve and the flight plan looks nothing like what most of us...
The Upgrade Effect: What a Captain Upgrade, Airline Switch, or Equipment...
Congratulations are in order. You just got the call… captain upgrade, new airline, new equipment, new domicile. Whatever the specific change, your income is...
Investment Properties for Airline Pilots: How to Use Your Layover Cities...
Bottom Line Up Front: Airline pilots are actually well-positioned to build a real estate portfolio—and your base cities are a logical, strategic place to...
2026 Conforming Loan Limits
If you’re an airline pilot thinking about buying a home in 2026, there’s one detail that deserves more attention than it usually gets: conforming...
What to Expect for Mortgage Rates in 2026
As 2026 begins, pilots across the industry are once again asking the familiar question: Where are mortgage rates headed next? After years of elevated...
Mortgage Outlook: Q1-Q3 2025 Review and What’s Next
Well, folks, if the first half of 2025 felt like a steady grind with rates easing just enough to keep hope alive, Q3 turned...
Mortgage Outlook: Q1 and Q2 2025 Review and What’s Next
The first half of 2025 seemed to be consistent with what I discussed at the beginning of 2025. My aimpoint in this article is...
Veteran Airline Pilots: Smartest Way to Use Your VA Loan When...
As a loan originator, there are many occasions where I am working with veteran buyers who are searching to find the right realtor. I...
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...
