Adam Smith

That house you looked at today and wanted to think about until tomorrow may be the same house someone looked at yesterday and will buy today.
I’ll help you understand your mortgage options so you can feel confident about what you can afford.
ABOUT ME

Adam Smith

No matter if you’re buying, selling, refinancing, or building your dream home, it’s important to work with an experienced and knowledgeable loan officer. As an expert in my field, I have the knowledge and resources you need to stay current with market conditions and frequently changing mortgage programs. Ensuring that you make the right choice for you and your family is my ultimate goal. I am here to service your residential, fix-and-flip, and hard-money lending needs. I work diligently alongside each of my clients and referral partners.
TAKE THE NEXT STEP

Home Buyer's Guide

Follow my step-by-step guide to learn how to buy a home.

Refinance And Cash-out Guide

Learn how refinancing can help you save money.

Today's Mortgage Rates

View today’s interest rates for a variety of home loans.

Mortgage Calculator

Calculate your monthly mortgage payment using today’s rates.
HOW I AM DIFFERENT
Successful Loan Officers genuinely care for people—not just their clients but also those within their communities. When researching which Mortgage Loan Officer to hire, consider asking how they give back. Do they freely give their time and energy to help others without expecting anything in return? These questions will reveal a lot about the true character of your Loan Officer.
LOAN OPTIONS

ADJUSTABLE RATE MORTGAGE LOAN

The adjustable-rate mortgage (ARM) is a type of loan that issues an interest rate that changes periodically and …

Minimum Credit Score

620

Key
Advantage
LOW INTEREST RATE…

FHA STREAMLINE REFINANCE

An FHA Streamline allows borrowers to refinance their existing FHA-insured mortgage loan. 

Minimum Credit Score

660

Key
Advantage
NO APPRAISAL…

VA HOME
LOAN

The United States Department of Veterans Affairs (VA) created a mortgage loan that provides financial…

Minimum Credit Score

660

Key
Advantage
NO DOWNPAYMENT…

JUMBO MORTGAGE LOAN

A jumbo loan also referred to as a non-conforming mortgage, is a loan for homeowners…

Minimum Credit Score

700

Key
Advantage
CONVENTIONAL PORTFOLIO…
what my clients are saying
Calculate Your Mortgage Payments​
Use our Mortgage Calculator to estimate your monthly mortgage payment. Input different home prices, down payments, loan terms, and interest rates to see how your monthly payment changes.
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