From day one Spencer’s business philosophy has been to improve the lending process through technology and to be conscientious of his client’s first and foremost. Every day he puts that philosophy to work. Simplicity, speed and transparency are the three things you will always get when you work with Spencer. Simplicity, never ask for more than what is needed to get a loan done. Speed, technology that drives precision, efficiency and a quick close. And last but not least, Transparency, clear rates and fees that are the best in the business.