Spencer "The Mortgage Vet" Bauer

27/10/2026

Newly built homes are a growing share of the American housing market, and Yuma buyers are feeling the pull. S. Census Bureau and the Department of Housing and Urban Development in September 2026 (...

What do you think?

New construction is a growing slice of the housing market. Here's how Yuma buyers — veterans included — can navigate buying from a builder, from pre-approval…

26/10/2026

5.0 star review received on Experience.com for Spencer Bauer by Crystal O - Spencer was quick to respond, thorough in his explanation of the process, kind and respectful. We really appreciated his patience when we had questions and his willingness to help us understand even the minute details.

Click to see all 129 reviews of Spencer Bauer - Fairway Mortgage, Sr Loan Officer

19/10/2026

Please join us in welcoming Patty Wagner, the newest member of The Mortgage Vet team in Yuma! 🇺🇸

Patty is our Loan Officer Assistant and a 20-year U.S. Air Force veteran. She is fluent in English and Spanish and is happy to help families in whichever language is most comfortable for them.

If you or someone you know is thinking about buying a home or refinancing, send me a message and let's talk.

—

¡Bienvenida a Patty Wagner, la nueva integrante del equipo de The Mortgage Vet en Yuma!

Patty es nuestra asistente de oficial de préstamos y veterana de 20 años de la Fuerza Aérea de EE. UU. Habla inglés y español con total fluidez y con gusto ayudará a las familias en el idioma que prefieran.

Si tú o alguien que conoces está pensando en comprar una casa o refinanciar, escríbeme un mensaje y platiquemos.

Fairway Independent Mortgage Corporation | Company NMLS 2289 | Branch NMLS 1652735 | Equal Housing Opportunity

16/10/2026

5.0 star review received on Experience.com for Spencer Bauer by Robert M - Constant communication and updates

Click to see all 128 reviews of Spencer Bauer - Fairway Mortgage, Sr Loan Officer

14/10/2026

New post:

When mortgage rates climb, the monthly payment gets most of the attention. But for a lot of Yuma buyers, the real wall is cash to close — the money you need up front before a lender can fund the loan.

When rates are higher, the biggest hurdle for many Yuma buyers is cash to close. Here's how the HOPER program can help you manage it.

06/10/2026

The average homeowner is sitting on roughly $213,000 in tappable equity, while the average credit card charges over 22% APR.

That gap is the biggest arbitrage most families never use. It doesn't work for everyone, because it depends on your current mortgage rate and your equity. But for the right borrower, the math is worth running.

I broke down the blended-rate math (and who it doesn't work for) here: https://voce.com//equity-debt-pivot-refinancing-still-pays-cbjgg8

Realtors: if you have past clients feeling the squeeze, send them my way and I'll run the numbers, no pressure.

06/10/2026

S.

— Spencer Bauer

Read the full article for more insights and key takeaways.

Homeowners hold roughly $213,000 in tappable equity while carrying 22% credit card debt.

22/09/2026

Realtors — this one's for you.

Ever lose a great buyer because the seller got nervous about financing and took the cash offer instead? Fairway's Cash Guarantee fixes that. If my buyer's fully underwritten and something falls apart right before closing, Fairway buys the home in cash or pays the seller $10K if they don't want to sell to us.

That means your buyer can compete like a cash buyer — without being one.

If you've got a deal where this could help, message me. Let's win more offers together.

21/09/2026

If you're a veteran or active-duty service member buying a home in 2026, your VA loan is one of the strongest tools in America — no down payment, no private mortgage insurance, and no limit on...

A Marine veteran's guide to mastering the 2026 VA loan market — and why a local Yuma lender beats national call centers every time.

10/09/2026

5.0 star review received on Experience.com for Spencer Bauer by Edwin R - Working with Spencer Bauer at Fairway Home Mortgage was an amazing experience from beginning to end. He made one of the biggest moments for me and my family feel easy, comfortable, and stress-free. Spencer was always there when we had questions, kept us informed throughout the entire process, and truly went above and beyond to help us get into our home. You can tell he genuinely cares about the families he works with, and that meant a lot to us. We couldn’t be happier with our experience and are extremely grateful for everything Spencer did for our family. I would recommend him to anyone looking to buy a home without hesitation!

Click to see all 127 reviews of Spencer Bauer, Sr Loan Officer