Headshot of Karli Spahr

Karli Spahr

Branch Manager

Bloomington, MN Mortgage Lender

NMLS #253291

7760 France Ave. S, Suite 1010
Bloomington, MN 55435
Contact Methods
tel Phone
mobile Mobile
(651) 242-8333


About Karli

For over two decades, I’ve been helping people achieve the American dream of homeownership. I believe everything someone does adds value to life that can be used to help others. I’ve worn many hats in my lifetime, including teaching economics at a local college, owning and operating The American Dream Machine food truck, bidding and expediting for my husband’s construction company, insurance sales, a variety of other sales positions, and insurance inspections – experiences I’m ready to put to work for you.

When you work with me, I’ll not only find the right loan for your home but help you understand your mortgage. From conventional and FHA to USDA, VA, and down payment assistance programs, I offer many options to finance your homeownership dreams. If you have questions, I’ll answer them with full support. I look forward to the opportunity to give you a memorable mortgage experience.

While they aren’t required, my bachelor’s degree in business and economics and master’s degree in project management have served me well in this industry! Beyond mortgages, I’m a devoted wife and mother who enjoys traveling and camping, never letting the grass grow below my feet.


  • Purchase and Refinance
  • Construction Loans
  • First Time Homebuyers
  • Jumbo Loans
  • Renovation Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 651-888-8180