A Lender Who Listens, Explains, and Picks Up the Phone
If you’re searching for a mortgage loan officer in Texas, Colorado, or Tennessee, you’re probably looking for someone who does more than quote interest rates.
You want someone who listens. Someone who explains. Someone who answers the phone. Someone who solves problems.
That’s exactly why I love what I do.
I’ve been helping homebuyers finance their homes since 2004. My career has included community banking, commercial lending, international ministry, and even a season as a stay-at-home dad. Every chapter has shaped how I serve my clients today.
I believe every borrower deserves to understand their mortgage, not just sign the paperwork. Whether you’re purchasing your first home, moving into your next home, refinancing your current mortgage, or exploring loan options as a self-employed borrower, my job is to simplify the process, educate you along the way, and build a mortgage strategy that supports your long-term financial goals.
My clients often tell me they appreciate my communication, patience, and ability to explain complex topics in simple language. They also know I won’t disappear after closing. My goal is to become the mortgage professional you call whenever life changes, and the one you confidently recommend to your family and friends.
Rooted Right Here in New Braunfels
My wife, Janae, and I have been married for over 22 years, and we’re raising our three children, Kate, Clara, and Cooper, right here in New Braunfels, where we live, work, worship, and love being part of the community.
When I’m not helping clients, you’ll probably find me on the river. Janae and I both compete in ultra-distance canoe races, and together we’ve completed the legendary 260-mile Texas Water Safari multiple times. More recently I’ve developed a passion for trail ultramarathons, and my next goal is finishing a 100-mile race.
Those experiences reinforce the same lessons that guide my business: preparation matters, persistence wins, and the finish line is always worth the effort.
Credentials You Can Verify
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NMLS #1439717
Fully licensed loan officer. Look Spencer up on the NMLS Consumer Access site anytime.
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Licensed in TX, CO & TN
Serving homebuyers and homeowners across Texas, Colorado, and Tennessee.
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Edge Home Finance
Backed by a nationwide independent brokerage with access to a wide range of loan programs and competitive rates.
I'd Be Honored to Help You Finance Your Next Home
No pressure. Just honest advice.