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  • 862 S 5th Avenue Yuma, AZ 85364 Mobile (303) 243-4249 Tel (928) 264-5655 Spencer.Bauer@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Spencer Bauer

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  • Sr. Loan Officer
  • Yuma, AZ Mortgage Loan Officer
  • NMLS #1712115
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I’ll be with you every step of the way

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.

As part of America’s #1 Retail Mortgage Lender and now based in our Yuma, AZ branch, I blend Military precision and genuine care 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.

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.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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