Mortgage Loan Officer
Shaun Smith
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I’m Here to Help!
With over 13 years in the industry, I have successfully guided countless clients through the complex process of securing the right mortgage solution.
I am committed to staying current with industry trends and regulations. This commitment ensures that clients receive the most up-to-date and relevant information to make informed decisions about their mortgage financing.
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Loan Programs
Conventional Loans
A conventional loan is a type of mortgage loan that is not insured or guaranteed by a government entity. In the United States, conventional loans are typically offered and serviced by private lenders such as banks, credit unions, and mortgage companies.
VA Loans
A VA loan is a mortgage loan program specifically designed for veterans, active-duty service members, and eligible surviving spouses. It is backed by the U.S. Department of Veterans Affairs (VA) and aims to help veterans and their families achieve homeownership with favorable terms.
Refinancing
A “refinance” is a new loan obtained to replace an existing mortgage or loan on a property. The primary goal of refinancing is to secure better terms, such as a lower interest rate, which can result in reduced monthly payments or overall cost savings over the life of the loan.
USDA Loans
A USDA loan, officially known as the USDA Rural Development Guaranteed Housing Loan Program, is a loan program offered by the United States Department of Agriculture (USDA). This program is designed to assist individuals and families in rural and suburban areas in achieving homeownership by providing affordable financing options.
Reverse Mortgage
A reverse mortgage is a financial product designed for homeowners who are typically aged 62 or older. It allows them to convert a portion of their home equity into cash without having to sell the home or make monthly mortgage payments. Instead of making payments to the lender, the lender makes payments to the homeowner, hence the term “reverse” mortgage.
FHA Mortgage Loan
This is a mortgage loan insured by the Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD). FHA loans are designed to make homeownership more accessible, especially for first-time homebuyers and individuals with lower credit scores or limited financial resources.
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Hours
Monday – Friday
11am – 11pm
Phone
(255) 352-6258
Address
5678 Extra Rd. #123
San Francisco, CA 96120
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