Spence Killam is the Director of Operations at Millenium Home Mortgage. He was a former Vice President of New Jersey Mortgage Banker, a wholly owned subsidiary of a NASDAQ traded firm where he was on the Board of Directors. Spence has been in the mortgage lending field for over 20 years. He holds licenses as a Mortgage Banker, A Secondary Mortgage Lender, and has Delegated Underwriting Authority from HUD for FHA lending practices.