Lovett was born in Houston, Texas,[3][4][5] when his family lived in the nearby community of Klein. He is the son of William Pearce and Bernell Louise (née Klein) Lovett, a marketing executive and training specialist, respectively. He was raised in the Lutheran Church–Missouri Synod.[6] Lovett attended Texas A&M University, where he received Bachelor of Arts degrees in both German and Journalism in 1980. In the early 1980s, Lovett often played solo acoustic sets at the small bars just off the A&M campus.
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