Spencer is the Broker and Co-Owner of Home & Ranch Real Estate along with his wife Melinda Scott. Spencer obtained his real estate license in 1991 and his broker’s license in 2005. Home & Ranch Real Estate specializes in rural real estate including farms, ranches and raw land to in-town lofts, strip retail commercial properties, office and industrial buildings, airplane hangars as well as multifamily and single family residences - all properties you typically find in smaller rural town areas. Spencer’s background also includes over 21 years of experience in commercial structured real estate finance concentrating in Conduit Loan Securitization and all related mortgage origination processes. Spencer earned his MAP Certification as an approved FHA HUD underwriter and has worked on a variety of project types including 223(f) market rate, 223(f) with Section 8, 223(f) with Section 236, 223(f) with Low Income Housing Tax Credits (LIHTC) as well as Section 232 healthcare. Spencer’s home town is Caldwell where he attends Burleson County Cowboy Church and ministers to junior high and high school age youth. Spencer also participates in the local Rotary and Lions Clubs and is a past board member of the Chamber of Commerce and past board member of the St. Joseph Health System serving in Burleson County. Spencer has also volunteered his time over the years helping coach numerous softball, baseball, basketball and soccer youth teams.