Kevin Spradlin
Regional Manager/VP of Mortgage Lending
One of the best parts of being a loan officer is knowing I’m helping others achieve their homeownership dreams. It is such an exciting and wonderful time for everyone involved, and I love being a part of that. In some cases, the time comes for clients to refinance their current mortgage. This is just as exciting, because it allows me to help my clients lower their monthly payment and use their home equity for something fun such as a home renovation or pay for a wedding or college. I love helping my borrowers by educating them on their options and explaining what needs to be done on their part to make the home purchase/refinance as stress-free as possible. My expertise lies in VA loans, as well as FHA and conventional loans. I always do my best to ensure the experience that my borrowers have with myself, my team, and Guaranteed Rate will be positive and rewarding.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Smooth, transparent, and super agile."
Ricardo D. - Los Angeles CA | May 2022
"Everything went very smoothly and the communication was wonderful."
Kimberly B. - Eagle Mountain UT | Jan 2022
"Kevin and his team were extremely prompt with all my questions, and since it was my first time buying a home, I tended to have a lot of questions. They helped take the guess work out of the entire process, for which I am extremely grateful. I’m self employed, which always complicated things but the team totally made it seamless for me."
Parker C. - Provo UT | Jan 2022
"Kevin, and everyone on his team are absolutely amazing! From start to finish, top to bottom, made everything so simple. Kevin always made himself available for questions, and I never had to chase for an answer. This is the 3rd time I’ve had them secure my mortgage needs, and definitely won’t be the last."
Matthew S. - Spanish Fork UT | Dec 2021
"Kevin and his team did a wonderful job. Very quick and painless process."
Max F. - Salt Lake City UT | Dec 2021
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.