Headshot of Spencer Bauer

Spencer Bauer

Loan Officer

Yuma, AZ Mortgage Lender

NMLS #1712115

862 S 5th Avenue
Yuma, AZ 85364
Contact Methods
mobile Mobile
(303) 243-4249
fax Fax


About Spencer

Hi! I'm Spencer Bauer, and I'm honored to be your partner in making your homeownership dreams come true. Before I became an expert in home financing, I proudly served in the Marine Corps with a tour to Afghanistan from 2011 to 2012. Those years instilled in me values like discipline, honesty, and never giving up – qualities I bring to everything I do, especially when it comes to helping you navigate the mortgage process.

With a blend of Military precision and genuine care, I'm here to guide you through every step of your homeownership journey. Whether you're a first-time buyer, a long-time investor, or a homeowner looking to refinance, you can count on me to provide personalized support and expert guidance every step of the way.

Ready to make your homeownership dreams a reality? Let's do this together! Your dream is my mission – and I can’t wait to help you achieve it.

Outside of work, my most cherished role is being a father to five amazing kids—Jr, Mariah, Vicente, Chloe, and Kaiden – and a loving husband to my beautiful wife, Amabel. They're my driving force, inspiring me to provide the best possible future for our family and yours.


  • Purchase and Refinance
  • Purchase
  • Refinance 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.

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