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Spencer Stott, Mortgage Professional Mortgage and Lending



Spencer Stott
Mortgage Professional
location_on Salt Lake City, UT
NMLS #: 134614
Get to Know Spencer Stott

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 your 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.

Personal Besides spending time with my wife and family I enjoy fly-fishing, golfing, traveling and running. Avid sports fan, especially when it comes to the Utah Jazz and the University of Utah. Community Active member of my church and spend many weekly hours serving in this capacity Leader of a local Boy Scouts of America troop and enjoy helping young boys fulfill their full potential as they grow into adulthood. Education 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.



In regards to my professional life, I enjoy helping people achieve their mortgage financing goals and getting exactly what they want. Customer service is at the top of my list. Although we live in an ever changing real estate industry, I take pride in keeping myself educated and updated on any changes or major market shifts. First time home buyers are some of my favorite clients to work with, as i have consistently held a successful first time home buyer seminar on a monthly basis for the last six years.

Lena Dibble
“The Spencer Stott Lending team was a pleasure to work with. The team kept me updated on progress throughout the loan process, and made sure the details were taken care of. They’re all pleasant, quick to respond to questions, and made the process a smooth one. Plus, their costs were very competitive. I don’t want to move again anytime soon, but I’d be happy to work with them again! Thanks again for your work!”
Kayla Maxwell
“My experience with Spencer Stott, Carter Campbell, and the rest of the Essex Mortgage team has been a great one. I’ve heard horror stories about buying a home for the first time, and largely due to this team, I didn’t have to go through any of that. The process was incredibly smooth and I was able to get into my new home on the predetermined closing date with no problems. I’d highly recommend this team to anyone buying a home.”
Jane Johnson
“The professionalism of the Spencer Stott Lending Team made the refinancing of our home simple and easy! Carter quickly answered any questions and gave us timely information on the status of our loan throughout the lending process. Though I have purchased or refinanced homes several times, I have never had the process go so quickly and smoothly.”
Kevin and Tiffany Nebeker
“We have worked with Spencer Stott as our loan officer a total of 3 times now and we can honestly say he is by far the best loan officer we have had the pleasure and privilege of working with. Our experience with loan officers and mortgage lenders ,in general, have always come up short, but Spencer has definitely changed our outlook and is the reason we keep coming back for more. Spencer is more than flexible, very organized, extremely efficient, and most importantly knowledgeable about the industry in which he works and its always changing rules and regulations. We first worked with Spencer in Utah a few years back but this deal soon fell through when we moved to Arizona. However, though we were out of state Spencer still worked diligently with us and our area loan officer directly to ensure that we were kept in the loop at all times and that we were always fully aware of what we were actually signing. The process was smooth and seamless, and we closed with hardly any effort on our part- Spencer was there the entire step of the way which made for an overall positive experience. I was thoroughly impressed with Spencer’s dedication and efforts on our behalf and would highly recommend him to anyone who is looking to refinance or buy a new home.”
Scott and Janet Muhn
“Our experience with Spencer Stott and his team was quite positive and we would recommend this team to anyone seeking to refinance or purchase. We refinanced with a VA loan. Although I imagine the process is similar for other loans. They made the process about as painless as possible.”
Adam Weston
“I would like to give Spencer my highest recommendation. I am a Realtor who was working with clients who had some very special needs in order to buy their first home. Spencer had quite a challenge on his hands and I think most other loan officers would have given-up but Spencer would not give-up and together with his creativity and hard work; Spencer was able to get their loan through & help my clients get their home. I am so thankful to Spencer for his integrity, his persistence and his hard work because I never could have done it without him; he’s the greatest!!”
Katherine Kenner
“I wanted to say that Spencer and his team made the process of refinancing my home extremely painless. From the quick way they responded to my inquiry to the frequent updates during the loan process. Thank you for your professionalism.”
Richard Scott
“We recently refinanced our house and chose to work with Essex Mortgage and the Spencer Stott Lending Team. From the start of the application process to the funding of the loan, everyone on the team was courteous, professional, responsive and competent. They did what they said they would do in the time they committed to do it. I never had to chase them for information or the status of the loan. They initiated regular updates that assured me that everything was on track and they always followed-up. They were flexible and worked with us to craft the terms of our refinance to best meet our needs. They also did everything they could to minimize the cost of the loan which was a pleasant surprise. I would recommend Spencer and his team to anyone considering financing or refinancing their home.”
Jennifer Sevey
"My husband and I used Spencer to help us refinance our house which we had been trying to do for many years. Spencer helped us get through the process quickly and was always very helpful and could answer any and all questions we had. Anytime I would call Spencer and leave a message I always heard back from him the same day or the next morning. Spencer made our refinance one of the best experiences we have had."
Rob and Britta Hanel
“Spencer Stott of Essex Mortgage was referred to us by our Real Estate Agent, Brad Ashby. As first time home buyers, what I liked most about Spencer was that we only had to meet at his office one time, and before that meeting he had all the preliminary paperwork submitted and approved, the rest was handled smoothly via phone, fax, and email. Spencer was flexible with our schedules and was proactive in making things happen in an extremely efficient manner. If anything slowed down the processing of paperwork, we wouldn’t know, because he handled practically everything, making the process of acquiring a home mortgage as stress free as it could possibly be. The next time we met with Spencer was to sign the closing papers. Very personable, excellent communication with detailed follow up, we would recommended Spencer Stott and Essex Mortgage to anyone, especially first time home buyers.”
Terry Ford
“Thank you so much for facilitating my refinance. The significant drop you obtained for me in interest rate will certainly make a difference in my pocket book every month. I was especially pleased by the care and concern showed by each of the team members as they processed my loan. In almost any mortgage there seems to be some hurdles to overcome. When these arose in my situation they were handled quickly and with the appropriate attention to my particular loan. This made me feel like I was your one and only customer, giving me certainty I was with the right company. Again, thank you for your help and well done.”
Casey Bond
"My wife and I used Spencer for our home purchase. It was our first home and we were very pleased with his patience and customer service. As first time home buyers we had a lot of questions. We felt like we were taken care of every step of the way. I would recommend Spencer and his team to anybody."
David and Katie Baxter
"Working with Spencer and his team was a pleasure. The decision to refinance our home was a difficult one to make, but the outcome was an extremely positive experience. Our questions and concerns were quickly and accurately answered. Spencer’s team found us a great interest rate and made the process fast and easy. We will continue to work with Spencer on any future loans or refinances we may have. Thank you Essex Mortgage and our incredible lender, Spencer Stott, for your assistance!!!"
John Walters
“When I was in the market to refinance my house I was searching for a Lender who was trustworthy, dependable, and personable. During a refinance there is a lot at stake and I wanted someone I could trust to protect my family’s interests during the process. Spencer came highly recommended from a friend who has been in the mortgage business for many years. Spencer was professional and exceeded my expectations for a Mortgage Lender. He guided us through the process, making everything as simple, straightforward, and transparent as possible. I would recommend Spencer to anyone who is looking to buy or refinance their home.”
Clyde and Linn Done
“We just finished a refinance on our home with Spencer and his team. We were amazed at how smoothly the process went. Spencer and his team helped us understand the process and gave us timely updates as to where we were in the process. We would recommend Spencer to anyone who is considering refinancing or purchasing a home. “
Joe and Ashley Swindler
“Spencer helped me get a great fixed rate on a mortgage to refinance my home. And then he kept looking and got an even better rate for me! He was able to work everything out just like I wanted so I didn’t pay anything out of pocket or add to my loan amount. All this while still saving me several hundred dollars a month on my mortgage payment. I would definitely work with Spencer for a mortgage loan again.”
Lance and Tacy Stine
“I had a great experience with Spencer Stott and his team. They were good at keeping me at ease with my first home purchase. Later when it was a good time to take advantage of record low interest rates they did a great job of making a refinance easy. It was very beneficial for my wife and myself to use Spencer’s Mortgage services.”
Jeff Krommenhoek
“Spencer is as honest as they come and that is saying a lot when it comes to the mortgage industry. He is very personable and very knowledgeable. He is an expert in every way in his field. They don’t get better than Spencer when it comes to work ethic, negotiations, and fairness. I would highly recommend Spencer!”
Kobi and Cameron Lundgren
"We were referred to the Spencer Stott Lending Team after initially engaging with another mortgage company and to keep things short fell far short of our expectations and their understanding of the market. Our first initial contact started with Spencer and my wife and we were so impressed at his understanding of the process but more importantly the laws that govern the lending process. But quite honestly what brought the experience full circle was the team Spencer has and the service they provided us. We certainly felt the warm fuzzies from this group! Jeremiah was so professional and friendly and his approach helped us forget about the timely process it takes to get to closing. And Shannon much like Spencer was an obvious expert in the industry and made you feel comfortable things would get done when she was in charge. Overall, we are so pleased with our first home buying process and the extra special attention we received from everyone at the Spencer Stott Lending Team, an obvious choice whether this is your first or last home!!!"
Chris and Stephanie Best
“I would like to thank Spencer Scott and his team at Essex Mortgage. The refinancing of our home was very quick and painless. They took care of everything and got us a great deal! We will definitely be using them again!“
Jason and Bethany Clark
“I just wanted to write a quick note of ‘thanks’ and ‘praise’ to the Spencer Stott Lending Team for the overall fantastic service they provided in refinancing our home. Both my wife and I kept putting off the refinancing process because we remembered how cumbersome it had been when we initially purchased our home. Had we worked with Spencer’s team initially, we wouldn’t have had that level of reservation. This team was not only willing to answer question after question, but they walked us through every step with patience. The speed with which they processed our paperwork was very fast which was appreciated, and their communication with us on the status of our refi was also continual and timely. I would not hesitate to recommend any family and/or friends to work with Spencer and his team in the future. They truly made this, once daunting task, something that was painless and will save us tens of thousands of dollars over the course of our loan. Thanks and ever thanks.”
Deborah Christensen, Ph.D.
“I think my refi may have been the most difficult one he ever had. It took almost a year to finish the process but he stayed with it when others would have thrown their hands up. He was patient throughout the entire process – even in the face of my frustration (okay, maybe we could call it anger). And he finally found a way to get it done. The savings was worth it all. I highly recommend Spencer to anyone seeking a new or refi mortgage. He is absolutely “the best”. I don’t believe I could have done it with anyone else.”
Jared and Analia McBride
"We can sincerely say that the process of refinancing our home was seamless and worry free with Spencer’s knowledge and experience to back it up. We met Spencer when he helped us with a previous refinance as well some years ago, which was also very beneficial for us. Because of that original experience, we went back to Spencer to do our recent refinance with him as well and again, were glad we did."
David and Christina Billings
“We have worked with Spencer for two mortgages and one refinance. He has been very professional and a pleasure to work with. We would highly recommend him for new homeowners.”
Craig and Sarah Peterson
"We have gone to Spencer Stott on more than one occasion to purchase a home and refinance our mortgage. He has always been very accessible and available to answer all questions we have had. When we called his office, we didn’t have to listen to some long automated recorded service. This is really refreshing! On several occasions, we had heard about one program or another on the radio, and had called Spencer to ask him about it. He is very knowledgeable about all different programs and types of loans. He educated us on how different programs and mortgages work, and helped us to decide what was best for us and our current situation. As rates started to drop, even months after closing, we could ask Spencer what a lower rate would do to our mortgage payment. He never put us on the back burner because he wasn’t working on a deal with us currently. Once you are a client of Spencer’s you are always a top priority. We have recommended him to others, and will continue to do so. It is comforting to have a permanent loan officer there for all of our future needs."
Tina Mercer
"Spencer and his team was fantastic, they got me an amazing rate and his service was second to none. I know my loan was not the easiest compared to others but nothing seemed to bother them. I would recommend Spencer Stott to anybody looking to buy or refinance."
Amanda Slater and Family
“As my husband and I were looking into saving some money on our house payment and possibly refinancing we were referred to Spencer Stott and his team at Essex Mortgage. Some of our friends had refinanced with them and had a great experience. I emailed Spencer, expecting to maybe hear back in a week or so. We heard back from Spencer and his team almost immediately! The same day I emailed him! Not really knowing what we wanted to do or could do with our mortgage, Spencer and his team looked into all the options for us. They also took the time to explain each one and help us decide what would be best for us and what we were trying to do. Once we decided to do a streamline refinance, Spencer and his team were in constant contact with me. They answered all my questions and helped us through each phase in the process. When we went into their office to sign papers, they were very personable with me and my family. I haven’t had to worry once since I have been working with them. With frequent updates and reassurance on the status of my loan, I’ve felt like I can trust them completely. I am extremely happy with their services and would highly recommend them to everyone I know!”
Craig and Gloria Day
“We just want to thank you for helping us get our loan refinanced. And thank you for the great interest rate we were able to get. Spencer you were wonderful to work with, cared about our concerns and answered all our questions. We will certainly recommend you to anyone we know that might be looking into a mortgage or refinance. Thanks again for the professional service you rendered.”
Joe and Kristine Hamblin
“We had a very good experience with Spencer Stott and his team. They were great to work with, he kept us informed through the whole refinance process, and when he was out of town Carter was in contact with us. It all went as we were told, there were no surprises.”

Mortgage Professional -- Team Stott Lending