Spencer brings over 22 years of mortgage knowledge and experience to First Financial Bank.  He came to San Angelo from the Fort Worth area where he was involved in both mortgage lending and construction lending.  While thoroughly enjoying working with Realtors and Builders, Spencer knows how to find the best strategies to fit your financial needs and will work tirelessly to help you achieve your dreams.  With his experience, dedication and customer service second to none, you know you are in good hands with Spencer. 

Spencer and his wife, Pamela, have been married for 16 years and they have 4 children.  They currently reside in San Angelo, where his wife grew up, and they both have family here as well.