Howard Spencer is a REALTOR® Associate and SFR-certified agent specializing in REO, pre-foreclosures, short sales, and probate properties across Northeast Florida. With 18 years of home-building experience, he brings deep construction insight to every assignment. Formerly ranked in the Top 1% for closed units at Coldwell Banker in New Jersey, he now leads an eXp Realty team that manages and sells REO assets statewide for local and national financial institutions. His team delivers 24-hour occupancy checks, 48-hour rekeys and BPOs, and seamless management from assignment through closing. Known for clear communication and prompt execution, they provide reliable, results-driven REO support.