Unveiling Tennessee’s

Best Kept Secrets

Welcome To The Spencer Mason Real Estate Team

Your hometown real estate experts!

Welcome to your gateway to a new home! Whether you’re buying your first house, seeking a dream residence, or looking to sell at top dollar, our expert team is here to guide you every step of the way. With years of experience, deep local knowledge, and a commitment to personalized service, we ensure your real estate journey is smooth, successful, and satisfying. Let us help you make informed decisions and achieve your property goals with confidence.

First-Time Home Buyers

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Free Buying+Selling Guides

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Featured Communities

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Start Home Search

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Get started by using one of our FREE tools!

Spencer Mason Real Estate

Spencer Mason

Real Estate Agent

Spencer Mason is a dedicated realtor serving the Upper Cumberland region of Middle Tennessee, committed to providing personalized and stress-free real estate experiences for both buyers and sellers. Born in Danville, KY, and raised in Celina, TN, Spencer has deep roots in the local community and now resides in Cookeville with his wife, Maggi, and their six children.

With a solid background in construction logistics, Spencer brings a keen eye for property potential and a comprehensive understanding of home construction and maintenance. His dedication to helping others is evident in his commitment to delivering exceptional service, ensuring open communication, and crafting tailored strategies to achieve the best possible outcomes for his clients.

Beyond real estate, Spencer is passionate about uplifting and encouraging others, whether through his love of music or his unwavering support of his community. Known for his strong work ethic and determination, Spencer fights for his family, friends, and clients, always striving to exceed expectations.

Whether you’re looking to buy or sell a home in the Upper Cumberland area, Spencer Mason is the realtor you can rely on to guide you through the process with confidence and peace of mind.

spencer@letsgoreco.com(931) 397-1185
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Spencer Mason Real Estate

Why work with us?

Choosing the right real estate partner is crucial, and our team stands out with a track record of proven success and client satisfaction. We pride ourselves on our deep understanding of the local market dynamics, which allows us to provide not just any service, but the right strategy tailored to your unique needs. Whether you’re a buyer, seller, or investor, our agents are equipped with the latest tools and data to ensure you have all the advantages in your real estate transactions.

Our commitment extends beyond closing deals. We believe in building lasting relationships with our clients by offering continuous support and advice, ensuring you feel confident and well-informed at every stage of your journey. With us, you’re not just gaining a real estate agent; you’re gaining a lifelong property partner dedicated to helping you grow your real estate portfolio and achieve your long-term goals. Whether navigating complex negotiations or offering insights into emerging market trends, we’re here to empower you every step of the way.

Spencer Mason Real Estate Agent
Mortgage Loan
Spencer Mason Realty

How the home buying real estate process works

1

Talk with us!

That's right! The first step is to schedule a call with us, or just reach out. We'll help lay out a plan for your individual real estate desires.
2

Set Your Budget and Get Pre-Approved

We'll help connect you with the right loan officer to determine your budget and obtain a mortgage pre-approval to understand your buying power.
3

Search for Homes

Now the fun begins! Based on your desires and mortgage pre-approval, we'll start viewing homes that meet your criteria.
4

Make an Offer and Negotiate

Once we find the right home, we'll work together to make an offer and negotiate the terms with the seller.
5

Conduct Inspections

Once we have a purchase contract agreed upon with the seller, it's time to schedule our inspections to assess the property’s condition.
6

Close the Deal

After everything is settled with the contract, it's time to sign the paperwork, pay closing costs, and receive the keys to your new home!

Featured Communities

Welcome to our Featured Communities, where we highlight the unique neighborhoods we typically serve. Each area offers distinct lifestyles, from urban energy to suburban tranquility and rural charm.

While we find ourselves often doing business in these communities, our expertise isn’t limited to them. We’re ready to assist you no matter where your dream home is located. Our dedicated team is here to guide you through the process, ensuring you find the perfect fit.

Let us help you discover the community that feels like home.

Cookeville, TN

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Livingston, TN

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Sparta, TN

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Gainesboro, TN

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Smithville, TN

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Crossville, TN

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Curious if renting or buying is better for your unique situation? Use our rent vs buy calculator to see what makes most sense for you…!

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will connect you with a mortgage loan officer to go through your specific scenario.

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$500 $10,000
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$50,000 $2 Million
$
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Credit Score
Advanced (optional)
Loan Term
$
%
0% 5%
$
%
0% 15%
$ /month
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0% 5%
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$ /year
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented. But you will own in equity of your home with an appreciated value of . If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented. You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting

Home equity after
RENT: $0
BUY: $0
years
Total cost over years
TOTAL COST
YEARS
Costs over

Monthly Cost (after )
Rent
Buy
Difference
$0
$0
$0
Yearly Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Total Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs

These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs

Calculating the Cost of Renting The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
  • Monthly rent payments
  • Security deposit (typically equal to one month's rent)
  • Renters insurance (annual premium)
Calculating the Cost of Buying The cost of buying a home is more complex and includes both one-time and ongoing expenses: One-time Costs:
  • Down payment
  • Closing costs (typically 2-5% of the home's value)
Ongoing Costs:
  • Monthly mortgage payments (principal and interest)
  • Property taxes
  • Homeowners insurance
  • Private Mortgage Insurance (PMI) if applicable
  • HOA fees (if applicable)
  • Maintenance and repairs
  • Home improvements and renovations
Assumptions Our calculator makes several assumptions to provide a comprehensive comparison:
  • Annual home appreciation rate: %
  • Annual rent increase: %
  • Renters insurance: $ per year
  • Home maintenance and repairs: % of home value per year
  • Home improvements and renovations: % of home value per year
  • Selling costs when you sell the home: % of home value
These values can be adjusted in the advanced settings to better reflect your specific situation. The calculator takes all these factors into account over the specified time period to determine whether renting or buying is more cost-effective in your situation. Keep in mind that this is a simplified model and your actual costs may vary based on your specific circumstances and local market conditions.

How do you determine the listing price of a home?

What is the best time to buy/sell a home?

What should I prepare for an open house?

How long does it typically take to buy or sell a home?

What are closing costs and who pays for them?

Closing costs are the various fees and expenses associated with completing a real estate transaction. These can include loan origination fees, title searches, title insurance, taxes, lender fees, and escrow payments. Typically, buyers and sellers both have specific costs they are responsible for, which can sometimes be negotiated during the sale agreement. A clear understanding of these costs upfront can prevent surprises at closing.

How can I make my home more appealing to buyers?

What should I look for in a purchase agreement?

How do you handle negotiations?

Can you explain the home inspection process?

What are the common pitfalls in buying/selling a home?