Home Loans With Carli & Kevin

Home Loans With Carli & Kevin We are a husband and wife Loan Officer team and our goal is to be your MORTGAGE LENDERS FOR LIFE! Let us help your dreams of owning a home come true!

We have access to multiple lenders to get you the best rates possible! NMLS 1971200 & 1248241 Mortgage Loan Originator at Ultimate Home Lending
Carli Spradlin NMLS 1971200 & Kevin Spradlin1248241
Ultimate Home Lending NMLS: 2259749
Consume Access: https://www.nmlsconsumeraccess.org/

Putting more money down can offer real advantages, but it isn’t automatically right for every buyer.A bigger down paymen...
09/04/2026

Putting more money down can offer real advantages, but it isn’t automatically right for every buyer.

A bigger down payment means a smaller loan, which can lower your monthly payment and other borrowing costs.

On the flip side, every dollar you put down is a dollar you no longer have on hand for moving costs, repairs, emergencies, or other financial goals.

The right down payment isn’t about hitting some magic percentage.

It depends on your finances, your comfort level, and what matters most to you.

Comparing different scenarios can help you land on the balance that fits your situation best.

Call us ANYTIME for all of your mortgage needs. WE GOT YOU 👊!!
📲Kevin 801-318-3516
📲Carli 801-318-3620

09/04/2026

It’s just so beautiful 🤩! Let’s goooooo 👏👏👏!!! Loving our continued FAST turn times!!

09/03/2026

What’s this “9-5” that you speak of? We only know about 24/7/365 around here 😏

09/02/2026

HUGE CONGRATS to Jordan Keele of Keele Real Estate for getting his buyers UNDER CONTRACT yesterday!!! He won over multiple buyer bidding and absolutely killed it!

We are so excited for another great transaction with Jordan and we just love working with him. He’s amazing every time and really takes care of his buyers! WHO YOU WORK WITH MATTERS!!

🔸 Reach out to us anytime!
Jordan 📲 801-615-3975
Kevin 📲 801-318-3516
Carli 📲 801-318-3620

09/02/2026

🎉HAPPY CLOSING DAY to the Smith family 🎉!!! This was such an extra special one for us. Our niece and nephew-in-law just bought their 1st home in Arkansas and it was an absolute honor to help them! We are beyond excited for them and can’t wait to hear about all of the wonderful memories they’ll make in their new home 🏠

🔸 Reach out to us anytime!
Kevin 📲 801-318-3516
Carli 📲 801-318-3620

09/02/2026

Let’s goooooo 👏👏👏!!! Loving our continued FAST turn times!!

Let’s talk….appraisals When buying a home, the appraisal is such an important part of the home buying process!It provide...
09/02/2026

Let’s talk….appraisals

When buying a home, the appraisal is such an important part of the home buying process!

It provides an independent opinion of the property’s VALUE.

Here’s what appraisers actually look at:
✅ Recent sales of similar homes nearby
✅ Location
✅ Size & key features
✅ Overall condition & upgrades

Why does it matters? The appraisal info shows how your home stacks up in the local market.

Knowing what goes into that number makes the whole process less stressful. You’ll have realistic expectations, make better decisions, and feel more prepared once you get to closing.

Call us ANYTIME for all of your mortgage needs. WE GOT YOU 👊!!
📲Kevin 801-318-3516
📲Carli 801-318-3620

09/02/2026

Are you wanting to be in a new home in time for the HOLIDAYS 🍁 🎃 🦃 🎅 ? Well, NOW is the time to get started…

Let me explain⬇️:
🎃/🦃 You’ll close in October or November
🍁 Shop and go under contract in September OR October
🏠 Which means NOW is the time to get started with your preapproval!!

Let’s get together to get you approved! We’ll go over all your numbers and options so you’ll know exactly what to shop for. WE GOT YOU👊!!!

🔸 Reach out to us anytime!
Kevin 📲 801-318-3516
Carli 📲801-318-3620

09/01/2026

You just need us for all your mortgage needs…WE GOT YOU 👊!!!
📲Kevin 801-318-3516
📲Carli 801-318-3620

Your home is more than just a place to live. It’s an asset that keeps growing right alongside you…As you pay down your m...
08/28/2026

Your home is more than just a place to live. It’s an asset that keeps growing right alongside you…

As you pay down your mortgage and your home’s value goes up, you build equity…

That equity can open up some real options, like a cash-out refinance or other ways to borrow against your home’s value…

The option that makes sense depends on things like how much equity you’ve built, your current mortgage, and what you’re actually trying to accomplish. Worth comparing your choices before deciding.

As your expert mortgage brokers, we’re happy to walk through the options with you and help you figure out what is best for YOU!

WE GOT YOU 👊!!
📲Kevin 801-318-3516
📲Carli 891-318-3620

Address

Serving All Of Utah, Arkansas, And
Eagle Mountain, UT

Telephone

+18013183516

Website

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