Dr. Spencer Barnes is the interim Chief Economist for Home Lending Pal. He has worked with startups to provide insight to owners on economic and financial trends in the mortgage, lending, and macro markets. After spending more than half a decade in finance, Dr. Barnes knows what drives these trends, ensuring that owners and creators remain poised to maximize profits. In addition, Dr. Barnes has supported government housing authorities in providing hundreds of millions of dollars to homeowners and landed top-tier finance publications utilizing cutting-edge economic methods to drive deeper market insights. Dr. Barnes holds a Ph.D. in Finance and a Masters in Economics from Florida State University.