Carli Spradlin

Loan Officer

NMLS: 1971200

carlis@ultimatehomelending.com

Carli Spradlin

Kevin Spradlin

Loan Officer

NMLS: 1248241

kevins@ultimatehomelending.com

Kevin Spradlin

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CARLI AND KEVIN SPRADLIN

Licensed in Utah

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About Carli & Kevin

Carli grew up in the Philippines, New York, and Las Vegas and Kevin grew up in Arkansas. We have been married for almost 27 years now and we love working together in the mortgage industry. We have 2 daughters (ages 25 & 23), 1 son (age 18), a son-in-law, 1 grandson on the way, and a sassy golden retriever named River (age 6). We love the outdoors and spend our spare time running, hiking, camping, fishing, being in the mountains, and spending time with our family. We love being loan officers and helping people achieve their homeownership dreams. Our goal is to be your LENDERS FOR LIFE by providing the best customer service experience, keeping you updated through your mortgage process, and answering any and all questions you'll have along the way. We take pride in listening to our client's specific situation and finding the loan that is best for YOU. Working directly with wholesale lenders allows us to give you the best options possible. So, whether you are looking to purchase a new home or refinance a current home, reach out to us and let us help you achieve your goals. Our hope is that we will be lifelong FRIENDS when your transaction is completed!

Contact Us

Carli Spradlin

NMLS# 1971200
801-318-3620
carlis@ultimatehomelending.com

Kevin Spradlin

NMLS# 1248241
801-318-3516
kevins@ultimatehomelending.com

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

5.0

44 reviews

As a realtor I use Carli and Kevin Spradlin as my go-to mortgage lenders for my own properties as well as to recommend to all of my clients! They’re super hardworking, experienced and incredibly responsive- even on nights, weekends and holidays! They’re a ...

As a realtor I use Carli and Kevin Spradlin as my go-to mortgage lenders for my own properties as well as to recommend to all of my clients! They’re super hardworking, experienced and incredibly responsive- even on nights, weekends and holidays! They’re awesome people and truly care about YOU. I couldn’t recommend them highly enough!

1 week ago

Posted on Google

Kevin and Carli were SO helpful in our process of buying a house. I didn’t realize before how important a good lender was, there is so much that can go wrong and having someone who knows their stuff is CRUCIAL. I would recommend them time and time again!

Kevin and Carli were SO helpful in our process of buying a house. I didn’t realize before how important a good lender was, there is so much that can go wrong and having someone who knows their stuff is CRUCIAL. I would recommend them time and time again!

Megan Tiritilli

1 week ago

Posted on Google

Carli and Kevin were the best part of my home buying experience. Clear, patient, and truly educational every step of the way. They made the complex loan process feel stress free for a new buyer like myself. Professional, responsive and genuinely caring - ...

Carli and Kevin were the best part of my home buying experience. Clear, patient, and truly educational every step of the way. They made the complex loan process feel stress free for a new buyer like myself. Professional, responsive and genuinely caring - I couldn’t recommended them more!

Enrique Villanueva

1 week ago

Posted on Google

We loved working with Carli and Kevin on the purchase of our second home! They were responsive and patient in answering all our questions. They walked us through the process and ensured things went quickly and smoothly. Thank you both so much!

We loved working with Carli and Kevin on the purchase of our second home! They were responsive and patient in answering all our questions. They walked us through the process and ensured things went quickly and smoothly. Thank you both so much!

heidi m (heidibm9)

1 month ago

Posted on Google

It was great working with Carli and Kevin. They provided great information.

It was great working with Carli and Kevin. They provided great information.

Christopher Abel

1 month ago

Posted on Google

If you are looking for the best of the best then work with Carli and Kevin! Absolutely amazing experience. They are professional, proactive, and really care about making the home loan process as painless as possible. Their communication skills are excepti ...

If you are looking for the best of the best then work with Carli and Kevin! Absolutely amazing experience. They are professional, proactive, and really care about making the home loan process as painless as possible. Their communication skills are exceptional. It is obvious they know a lot about the real estate world and are excited about helping you achieve whatever goals you have. They took time to explain all of our options to us and explain things we didn’t understand. On top of that they got us a personalized charcuterie board as a closing gift. Take my word for it and give them a call!!

4 months ago

Posted on Google

5 months ago

Posted on Google

Super helpful and always there to answer lots of questions! Carli and Kevin are really helpful in looking at your different options.

Super helpful and always there to answer lots of questions! Carli and Kevin are really helpful in looking at your different options.

5 months ago

Posted on Google

Kevin and Carli are amazing!! They answered all of my questions. They answered with lots of details which often led to many more questions. Patience was key but in a short time trust was built and we wouldn't go with anyone else.

Kevin and Carli are amazing!! They answered all of my questions. They answered with lots of details which often led to many more questions. Patience was key but in a short time trust was built and we wouldn't go with anyone else.

Patrick Hoffmeier

5 months ago

Posted on Google

Carli and Kevin are fantastic to work with. You never have to wonder what the status of your home purchase or refinance is because they are constantly in contact with you and keeping you updated. They are great at explaining every step of the process and ...

Carli and Kevin are fantastic to work with. You never have to wonder what the status of your home purchase or refinance is because they are constantly in contact with you and keeping you updated. They are great at explaining every step of the process and answering any and all questions you might have. They helped us buy our home and refinance a year later and both experiences with them have been amazing! Highly recommend them!!

6 months ago

Posted on Google

8 months ago

Posted on Google

Carli & Kevin were great to work with during the lending process. Their knowledge and experience with various lenders and their relationship with them gave us confidence as we worked with them. We really appreciated the time they took to explain things a ...

Carli & Kevin were great to work with during the lending process. Their knowledge and experience with various lenders and their relationship with them gave us confidence as we worked with them. We really appreciated the time they took to explain things and help us get the best rate available. I would recommend them to anyone purchasing a home.

8 months ago

Posted on Google

We recently moved to the area from the east coast and got connected with Carli and Kevin via a realtor we met at an open house. They are great! They took the time to listen and understand our situation and what we needed, and helped make suggestions on h ...

We recently moved to the area from the east coast and got connected with Carli and Kevin via a realtor we met at an open house. They are great! They took the time to listen and understand our situation and what we needed, and helped make suggestions on how to structure our loan to best work for us. They have lots of information and resources and were extremely helpful and available. I would recommend them without hesitation.

9 months ago

Posted on Google

Carli and Kevin are the nicest people. They are very helpful, and they took lots of time to educate us so we could make an informed decision.

Carli and Kevin are the nicest people. They are very helpful, and they took lots of time to educate us so we could make an informed decision.

Diane Linsley - Guided Meditation

10 months ago

Posted on Google

Kevin and Carli are so amazing to work with and we couldn’t have asked for better partners in accomplishing our goals. They have such a vast knowledge of the industry and make every effort to get the best rates and terms to fit the specific needs of every ...

Kevin and Carli are so amazing to work with and we couldn’t have asked for better partners in accomplishing our goals. They have such a vast knowledge of the industry and make every effort to get the best rates and terms to fit the specific needs of every client. The speed and efficiency of this experience was phenomenal. This was our second time working with them and we couldn’t be happier with the results in both cases. We highly recommend using home Loans with Carli & Kevin for all your mortgage needs.

10 months ago

Posted on Google

Great to work with, I was out of town back to back through the whole process and they were able to work with me around that schedule

Great to work with, I was out of town back to back through the whole process and they were able to work with me around that schedule

10 months ago

Posted on Google

It has been a pleasant journey-great communication—gives you all the information you need.

It has been a pleasant journey-great communication—gives you all the information you need.

11 months ago

Posted on Google

These guys are beyond great. Very knowledgeable and helpful. Would recommend them to anyone and everyone.

These guys are beyond great. Very knowledgeable and helpful. Would recommend them to anyone and everyone.

11 months ago

Posted on Google

Loved working with them for buying my first home. They were so patient with me through all the roller coasters. I'm so thankful for their help and the team they had to get me to my goal.

Loved working with them for buying my first home. They were so patient with me through all the roller coasters. I'm so thankful for their help and the team they had to get me to my goal.

1 year ago

Posted on Google

Great team to work with. Super fast.

Great team to work with. Super fast.

1 year ago

Posted on Google

Kevin and Carli were the absolute best to work with when buying our first home. They were always available for any questions we had. They made sure we knew all of our options as well as understood everything we were signing prior to buying our home. They ...

Kevin and Carli were the absolute best to work with when buying our first home. They were always available for any questions we had. They made sure we knew all of our options as well as understood everything we were signing prior to buying our home. They were both so personable and easy to talk to and made sure we were getting the best bang for our buck, I could not recommend them enough! We will absolutely use them again when we buy our next home. Thank you guys again!!!

1 year ago

Posted on Google

Kevin & Carli are awesome! I wouldn’t ever recommend anyone else! We had some little bumps in getting things lined up for our New Home & they ironed them out effortlessly & were able to help us close early! We are so grateful for all their help! Thanks ag ...

Kevin & Carli are awesome! I wouldn’t ever recommend anyone else! We had some little bumps in getting things lined up for our New Home & they ironed them out effortlessly & were able to help us close early! We are so grateful for all their help! Thanks again!

Alyson Jeffery Cram

1 year ago

Posted on Google

Carli & Kevin are some of the best in the industry! They care about their clients and go above and beyond to make sure you understand the loan process. Would highly recommend to anyone looking to buy, refinance or who just has questions about the process! ...

Carli & Kevin are some of the best in the industry! They care about their clients and go above and beyond to make sure you understand the loan process. Would highly recommend to anyone looking to buy, refinance or who just has questions about the process!!

1 year ago

Posted on Google

Carli and Kevin are a great team to work with. As an agent I have felt very comfortable and confident in sending them my clients including my brother. You're in good hands with them.

Carli and Kevin are a great team to work with. As an agent I have felt very comfortable and confident in sending them my clients including my brother. You're in good hands with them.

1 year ago

Posted on Google

Carli and Kevin were so knowledgeable and made our first time buying experience a joy!

Carli and Kevin were so knowledgeable and made our first time buying experience a joy!

1 year ago

Posted on Google

Carli & Kevin were THE BEST to work with! They made the process super easy, explained everything, went through all the options I had from a financing perspective to make sure I chose the one that best met my needs. They were always very responsive to my r ...

Carli & Kevin were THE BEST to work with! They made the process super easy, explained everything, went through all the options I had from a financing perspective to make sure I chose the one that best met my needs. They were always very responsive to my requests and are a great to work with. Would not hesitate to work with them again.

1 year ago

Posted on Google

They really know what they’re doing and provide the best outcome for our situation. Thank you Carli & Kevin

They really know what they’re doing and provide the best outcome for our situation. Thank you Carli & Kevin

1 year ago

Posted on Google

These guys are so awesome to work with. They are very personable and help you feel so comfortable throughout the whole process. They are great at following up even after the purchase of your home and they really strive to not just help you with your loan, ...

These guys are so awesome to work with. They are very personable and help you feel so comfortable throughout the whole process. They are great at following up even after the purchase of your home and they really strive to not just help you with your loan, but be a great friend too!

Lacie Jorgensen

1 year ago

Posted on Google

If you’re looking to buy a home, these guys are awesome. We really appreciated their approach to home buying. As First Time Homebuyers there were no surprises, just numbers you can understand. They work with your specific situation, give you several diffe ...

If you’re looking to buy a home, these guys are awesome. We really appreciated their approach to home buying. As First Time Homebuyers there were no surprises, just numbers you can understand. They work with your specific situation, give you several different options, & allow you to ask questions to come to what will work best for you. Getting pre approved upfront meant we could comfortably shop homes that fit our budget & the loan we wanted. Our home buying experience went so amazingly well because at every step they armed us with knowledge so we could avoid pitfalls & sail smoothly to the closing table. Knowledge is power! I never thought it would be this easy. Now on to the hard part… Packing!

Cynthia Salazar

1 year ago

Posted on Google

Carli and Kevin have been incredible to work with! They are extremely responsive and easy to work with. We let them know what our requirements were and they made it happen easily. Even in a time where interest rates are high they were able to go above and ...

Carli and Kevin have been incredible to work with! They are extremely responsive and easy to work with. We let them know what our requirements were and they made it happen easily. Even in a time where interest rates are high they were able to go above and beyond and get us better than what we were hoping.

1 year ago

Posted on Google

We had such an amazing experience with Carli and Kevin. They answered all our many questions with patience and were so helpful! They were so easy to communicate with. We appreciated their support through the whole process! Thanks Carli and Kevin!!!

We had such an amazing experience with Carli and Kevin. They answered all our many questions with patience and were so helpful! They were so easy to communicate with. We appreciated their support through the whole process! Thanks Carli and Kevin!!!

1 year ago

Posted on Google

Carli and Kevin were amazing! They made the process of closing on our home easy and smooth. They helped us get the best deal on our home, I could not recommend them enough!

Carli and Kevin were amazing! They made the process of closing on our home easy and smooth. They helped us get the best deal on our home, I could not recommend them enough!

1 year ago

Posted on Google

Carli and Kevin go above and beyond to make sure you're educated and taken care of through the whole buy and sell process. I've been working with Carli and Kevin for over 5 years now and I'm certain they're with me for life!

Carli and Kevin go above and beyond to make sure you're educated and taken care of through the whole buy and sell process. I've been working with Carli and Kevin for over 5 years now and I'm certain they're with me for life!

1 year ago

Posted on Google

Super profissional and always on point! The attention to details and the patience to walk me through every step of the process, made me feel super comfortable with my purchase.

Super profissional and always on point! The attention to details and the patience to walk me through every step of the process, made me feel super comfortable with my purchase.

1 year ago

Posted on Google

Carli and Kevin were fabulous. Our experience with them was fantastic. They were professional and knowledgeable. The process, while never a fun one, was so much less difficult and stressful with their help and expertise! We would undoubtedly choose to ...

Carli and Kevin were fabulous. Our experience with them was fantastic. They were professional and knowledgeable. The process, while never a fun one, was so much less difficult and stressful with their help and expertise! We would undoubtedly choose to use them again.

1 year ago

Posted on Google

The process of refinancing was SO simple and fast. They were so kind and continued to follow up with us. We will definitely work with them again next time!

The process of refinancing was SO simple and fast. They were so kind and continued to follow up with us. We will definitely work with them again next time!

Karita Gonzales

1 year ago

Posted on Google

Kevin and Carli are the perfect team. They are very knowledgeable and are experienced and armed with several loan options and solutions to all your lending needs. I have used this team for years and its always a 5 star outcome!

Kevin and Carli are the perfect team. They are very knowledgeable and are experienced and armed with several loan options and solutions to all your lending needs. I have used this team for years and its always a 5 star outcome!

1 year ago

Posted on Google

We were lucky to find Carli and Kevin who really went out of their way to speed up our closing to avoid losing our earnest money. They are awesome and most knowledgeable lending professionals I know!

We were lucky to find Carli and Kevin who really went out of their way to speed up our closing to avoid losing our earnest money. They are awesome and most knowledgeable lending professionals I know!

ALEJANDRO PALACIOS

1 year ago

Posted on Google

Kevin and Carli are highly recommended brokers with a solid 5-star rating. ⭐️⭐️⭐️⭐️⭐️They are understanding, patient, and always available to answer questions. They guided us through the home buying process with ease, securing a low interest rate. What se ...

Kevin and Carli are highly recommended brokers with a solid 5-star rating. ⭐️⭐️⭐️⭐️⭐️They are understanding, patient, and always available to answer questions. They guided us through the home buying process with ease, securing a low interest rate. What sets them apart is their genuine care and dedication. They make us feel like valued clients, offering personalized attention and support. We highly recommend Kevin and Carli for their exceptional service in making our homeownership dreams a reality!! 🏡💖

1 year ago

Posted on Google

Carli and Kevin are such a dream to work with! As a Real Estate Agent I know I can always count on them for great service. The many clients I have referred to Kevin and Carli are always blown away by how helpful and professional they are. I continually re ...

Carli and Kevin are such a dream to work with! As a Real Estate Agent I know I can always count on them for great service. The many clients I have referred to Kevin and Carli are always blown away by how helpful and professional they are. I continually refer clients to them because I know the transaction will get done quickly and with great communication!

1 year ago

Posted on Google

Kevin and Carli are AMAZING! As a realtor I look for excellent communication, availability, knowledge and outside of the box thinking in a lender. This team is everything. They have updated me and my clients immediately and kept me in the loop. If I call ...

Kevin and Carli are AMAZING! As a realtor I look for excellent communication, availability, knowledge and outside of the box thinking in a lender. This team is everything. They have updated me and my clients immediately and kept me in the loop. If I call or text and they are not available, they let me know when they will get back to me and they are prompt. I had an interesting situation for a buyer and they suggested she do a few things to be a stronger buyer and got her a great rate because of it! They are fantastic and go the extra mile.

1 year ago

Posted on Google

Kevin and Carli Spradlin are incredible lenders. My husband and I were first time home buyers and overwhelmed as we began. We were not prepared to purchase at all. They made us much more comfortable throughout the entire process. They worked miracles to g ...

Kevin and Carli Spradlin are incredible lenders. My husband and I were first time home buyers and overwhelmed as we began. We were not prepared to purchase at all. They made us much more comfortable throughout the entire process. They worked miracles to get us our home at the right price with payments we could afford. They helped to make sure we crossed every T and dotted every I. They explained each step and made us feel like friends not just clients. They even brought pizza for us and our family and friends on moving day. That was an amazing help and far beyond necessary. We cherish the house warming gift, a personalized charcuterie board, they brought to us a few days after we’d moved in and then sent us recipe ideas monthly the first year. It was the sweetest thing and every time we use the board, we are filled again with gratitude for them. It is a sweet reminder of how this is not just a job for them. They genuinely care about people and want to see their clients get the best. As long as they are in business, they will be our lenders. I highly recommend them! I know they will do their best for you as well.

Kathleen Justus Mull

1 year ago

Posted on Google

I had the pleasure of working with Carli and Kevin for my recent mortgage, and I couldn't be more impressed. Together, they make an incredible team! Their extensive knowledge and attention to detail ensured that we explored all available options and made ...

I had the pleasure of working with Carli and Kevin for my recent mortgage, and I couldn't be more impressed. Together, they make an incredible team! Their extensive knowledge and attention to detail ensured that we explored all available options and made the best decisions for our unique situation. Carli and Kevin are not only experts in their field but also incredibly responsive and reliable. They've become my go-to lenders to whom I refer my clients. They go above and beyond to make themselves easily accessible, and their commitment to follow through on every promise truly sets them apart. If you're looking for a lending team that is not only knowledgeable but also genuinely cares about helping you make informed decisions, Carli and Kevin are the ones to trust.

Keele Real Estate

1 year ago

Posted on Google

The most professional and experienced team. They are the most knowledgeable kindness humans I know. They took us in one day, and did our closing for our home in 2 weeks. They are simply the best. I am very happy we found them.

The most professional and experienced team. They are the most knowledgeable kindness humans I know. They took us in one day, and did our closing for our home in 2 weeks. They are simply the best. I am very happy we found them.

1 year ago

Posted on Google

These guys are great. Very knowledgeable and helpful.

These guys are great. Very knowledgeable and helpful.

1 year ago

Posted on Google

Carli and Kevin are great to work with. Each of my clients I have sent to them are always so pleased with how knowledgeable, friendly and thorough they are. They are a breeze to work with and make transactions super easy. Would recommend anyone to them.

Carli and Kevin are great to work with. Each of my clients I have sent to them are always so pleased with how knowledgeable, friendly and thorough they are. They are a breeze to work with and make transactions super easy. Would recommend anyone to them.

1 year ago

Posted on Google

I have used several lenders in the past but have never worked with someone who communicated regularly and felt like they were looking out for our best interest. I felt like Kevin and Carli went above and beyond trying to look at all the options available ...

I have used several lenders in the past but have never worked with someone who communicated regularly and felt like they were looking out for our best interest. I felt like Kevin and Carli went above and beyond trying to look at all the options available and felt like they got us the best deal out there. I will be using their services in the near future.

1 year ago

Posted on Google

Carli and Kevin are fantastic to work with! They answered all our questions, were able to get us a really awesome rate (especially for a rough housing market) You could tell the whole way through the lending process that our business was valued and they w ...

Carli and Kevin are fantastic to work with! They answered all our questions, were able to get us a really awesome rate (especially for a rough housing market) You could tell the whole way through the lending process that our business was valued and they wanted to get us the best possible rate. Communication was quick and clear. These two know there stuff, and are the kindest souls! If your looking to work with people who actually care you've landed in the right spot.

1 year ago

Posted on Google