Jan Smith PRMI NMLS# 935216

Refinancing your mortgage can be a smart way to consolidate your debt, reduce your monthly expenses, improve your financial situation and reach your goals. Contact me today to explore your options! *When it comes to refinancing your home loan, you can generally reduce your monthly payment amount; however, total finance charges, may be higher over the life of your mortgage loan.

You don’t need perfect credit to buy your own home. FHA loans are available to people with credit scores as low as 500 to 580 depending on your loan. Contact me today to get started!

As you embark on this exciting journey, let a professional real estate agent be your trusted advisor, guiding you through each step with expertise, integrity, and unwavering support. Your dream home awaits - let's make it a reality together!

The importance of down payment size ranges from “critical” to “not at all” depending on what you are talking about. For example, it directly determines the size of the loan but might not impact that loan’s terms much depending on the program. Want to learn more? Let’s talk!

One of the most common fumbles first-time buyers make is not setting aside cash to cover closing costs, which are not included in the down payment. They typically run between 3% and 6% of the loan amount but can often be negotiated with the seller.

If saving for a down payment’s got you down, take heart: last year, the average amount for first-time homebuyers was 6.81%. There are all kinds of programs, grants and specialized loans to help you get into a home sooner than later. Learn more with a Loan Officer!

The Native American Direct Loan (NADL) program can help qualifying Native American Vets and their families buy, build or improve homes on federal trust land. Contact your VA regional loan center to get started.

FHA loans offer flexible financing to get you into a home faster. They have more lenient credit requirements and offer low down payment options. Contact us today to buy your home with an FHA loan.

Whether you’re investing or just need a little breathing room, a jumbo loan could be your ticket to buying land. Call today to learn more.

Use a One-Time-Close Construction loan to buy property and build your home on it. Both VA loans and FHA loans offer this option with lenient credit requirements and low down payments. VA loans could have no down payment.* Contact us today! *Closing costs and fees may still apply.

Conventional loans generally have low rates, low fees and low down payment options. They’re popular because they have fewer obstacles, so you could close on your home sooner. Contact us today to get your loan started.

If your growing family needs a little more space, a jumbo loan can help you get it. Give us a call to start exploring your options.

Looking for a great place you can put your own unique stamp on? A renovation loan allows you to finance your home purchase and fund the fixes you have in mind.

Home Equity Lines of Credit typically offer more flexibility than second mortgages or home equity loans. They can feature variable rates and allow you to keep repaying and borrowing for several years without additional paperwork or approvals.

The right financing can make your dream home a reality--even if you dream big. Learn more about your jumbo loan options!

To make your home feel fresh, try cleaning your carpets or replacing them entirely. Washing your walls with trisodium phosphate (TSP) and repainting can also freshen up your home. Ready to finance your project? Contact us today.

Happy Independence Day! May your hot dogs have more scorch marks than your driveway!

Sometimes the best way to get the home you want is to build it yourself. Our One-Time-Close Construction loans make this easier by letting you build and buy in one transaction. Plus, there are low down payment options and you don’t have to make loan payments until construction is complete.
Contact me today to get started!

Homeownership is more attainable than you may think. FHA loans have low down payment options and lenient credit requirements when compared to many conventional loans. Stop waiting and get the home you deserve. Contact me today to get started!

Unlock the door to your dream home with the power of Jumbo Loans! Whether you're eyeing a sprawling estate or a modern marvel, these loans offer the flexibility and support you need to make it yours. Say hello to bigger possibilities and start your journey to homeownership today!

Busy schedule? We are here to help - even if you are stuck at home!