We are The Spahr Team

At The Spahr Team, we are dedicated to educating throughout the entire process and ensuring things go as smoothly as possible. We are able to offer a variety of products and will work hard to find the right solution for your individual needs because after all, not everyone’s situation fits inside the box. We are all passionate about helping people build wealth through real estate. We look forward to working alongside you on your journey.

Karli Spahr

Karli Spahr

Producing Branch Manager
NMLS 253291

O: 651-888-8172
M: 651-242-8333

Karli has been doing mortgages for 25 years and is still just as passionate as when she first started about educating and helping others obtain The American Dream of homeownership. She has a Master's Degree in Project Management and has worn many different hats in her lifetime including teaching economics at a local college, bidding and expediting for her husband's construction company, insurance sales, insurance inspections. She is a devoted wife and mother and enjoys traveling and camping.

JJ Van Oss

JJ van Oss

Retirement Mortgage Specialist
NMLS 1940938

O: 651-888-8178
M: 480-625-2787

JJ grew up on a hobby farm in Wisconsin riding quarter horses and cheering for the Green Bay Packers with her three brothers. She has spent most of her adult life in the Twin Cities with a seven year gap when she lived in Phoenix, AZ. JJ served 10 years in the MN Army National Guard and has a particular devotion to helping Veterans. She enjoys paddleboarding, cross country skiing, and spending time with her family. Whether looking to purchase a right-sized home or capitalizing on existing home equity, JJ is dedicated to helping seniors find practical and sound mortgage solutions as they enter their retirement years.


Cody Spahr

Loan Officer
NMLS 1830017

O: 651-888-8174
M: 920-288-1251

Cody has been in the mortgage industry since 2019 and has a gift for numbers and connecting people. He is also a problem solver and enjoys finding ways to help others become homeowners. He believes that real estate should be a piece of everyone's long-term wealth building strategy and will do whatever he can to help others be successful in this arena. In his free time, he enjoys watching sports, playing board games with family and planning vacations with his fiance.