I am a husband, a father, an outdoors enthusiast, but beyond those things I'm a Loan Advisor. When I'm not spending time with my family I enjoy Fly-fishing, golfing, traveling and running. I am an avid sports fan, especially when it comes to the Utah Jazz and the University of Utah!

I take pride in my reputation as an honest, straight-forward professional, and I know that you need to hear the truth about your loan - not a lot of hype. I can promise you that your questions are listened to and you will get straight answers. I not only strive to do the best for my clients, but also go the extra mile to make sure they get the service they deserve.

As a professional I have about two decades of experience as a licensed mortgage loan originator, specializing in FHA, VA, Conventional and Jumbo financing loans. Consistently closing millions worth of mortgage volume on a monthly basis. 

Earned my Bachelors of Science degree from the University of Utah in Business/Consumer studies.

Earned the highest level of licensing as a mortgage lender with a PLM (Principle Lending Manager) license. Fluent in the German Language.NMLS #134614


Robert Whitaker

Loan Partner


I’m Robert, I help Spencer gather documents and set up your application. I'm fully licensed as a loan officer, so I can help answer any of your questions.

Diana Morales


I'm Diana and I help the group with processing your loan. I am excited to be working with you every step of the way. I will be available to answer any questions you have. 

Whitney Curtis


I'm Whitney and I am the processor for the group. I am excited to help you close your loan. I will be available to answer any questions that you have along the way. 

Toni WIlliams

Amy Lacuarta

Ryan Stuart


I'm Toni and I do the marketing for Unified Lending. I am the newest member of the team and look forward to keeping you updated on your loan process. 

Virtual Assistant 

I'm Amy, Spencers' Virtual Assistant from the Philippines. I'm in-charge of handling tasks like data entry, online research, emails, maintaining files and other administrative duties to keep the company moving so Spencer can focus on larger goals.

Loan Officer

I'm Ryan or "Stu" I've been in the Real Estate industry for over 15 years! I've worked as a warranty manager and then spent 8 years in Title and Escrow. For the last year, I moved into the mortgage arena. I enjoy working at Unified Lending because of the people and the lower rates I can offer. I have experience with Conventional, FHA, VA, USDA and down payment assistance programs. 


10808  S River Front Pkwy Suite 393,

South Jordan UT

NMLS #134614

Company NMLS #1721971

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© 2023 by Unified Lending. 

Business Hours:

Mon: 9:00 AM – 5:00 PM

Tue: 9:00 AM – 5:00 PM

Wed: 9:00 AM – 5:00 PM

Thu: 9:00 AM – 5:00 PM

Fri: 9:00 AM – 5:00 PM

Sat/Sun: Closed