Teddy Urlacher.

Teddy Urlacher at a glance

Who is Teddy Urlacher?

Teddy Urlacher is a Senior Mortgage Loan Officer at Movement Mortgage, based in Spokane Valley, Washington, where he has worked with local homebuyers since 2019. He focuses heavily on first-time buyers and is known among clients for patient, plain-language guidance through a process that can otherwise feel confusing.

Since joining Movement Mortgage in 2019, Teddy has built his practice around Spokane, Spokane Valley, and the surrounding Eastern Washington area, and he's also licensed to work with buyers in Idaho, Montana, Oregon, and Colorado. A large share of his work is with people buying their first home.

What clients say about that work is consistent. The reviews Teddy's clients leave point to steady communication, follow-through on details, and explanations that skip the jargon rather than lean on it. If you're weighing your first purchase, the first-time home buyer guide is a natural next stop.

Why Movement Mortgage?

Movement Mortgage is a retail lender with its own NMLS ID, 39179, meaning it originates and funds loans directly instead of routing them through a separate wholesale lender. It also operates as an Impact Lender, the company's term for committing a large share of its profits to community causes.

Because Teddy works directly for Movement, a loan's application, underwriting, and closing all happen inside the same company, with the same team involved from the first conversation through the closing table. That structure doesn't guarantee a particular outcome, but it does mean fewer handoffs between separate businesses along the way.

Why work with a local loan officer?

Working with a local loan officer means working with someone who deals with Eastern Washington's county-specific rules and Washington State Housing Finance Commission programs on a regular basis, and who stays the single point of contact for a loan from application through closing, rather than a rotating call-center team.

That familiarity can help identify which state-run programs, such as WSHFC's Home Advantage or House Key Opportunity down payment assistance programs, might apply to a specific property or situation. Current program details and eligibility are always confirmed directly at the source. WSHFC-run programs also require a commission-sponsored homebuyer education seminar, and Teddy can help buyers understand how that requirement fits into the broader mortgage process.

Source: Washington State Housing Finance Commission (as of July 2026)

Accountability is the other piece. One person, not a queue, is responsible for a file from the first phone call to the closing table. If you have specific questions about how any of this applies to your situation, the FAQ page covers what comes up most often.