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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Ginger Smith Mortgage Loan Originator NMLS# 1195773

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United States
Amarillo, TX
Ginger Smith Mortgage Loan Originator NMLS# 1195773

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Ginger Smith - NMLS #1195773
(www.nmlsconsumeraccess.org)
Equal Housing Lender Have questions about a new mortgage loan?

I can help with Conventional, FHA, VA and USDA loans. Down payment assistance programs available.

11/02/2026

Rates ended last week at their lowest point since late September.

Where things landed (national averages, Mortgage News Daily, 10/30):
• 30-yr fixed: 7.27%, down 0.06 for the week
• 15-yr fixed: 6.92%, down 0.06
• FHA: 6.90%, down 0.08
• VA: 6.91%, down 0.08
• Jumbo: 7.55%, down 0.05

On the housing side, new listings are down 1.5% from a year ago (Realtor.com) and single-family completions are down about 11% this year. Fewer homes coming to market means pricing and prep matter more than ever if you're selling, and a quick move matters if you're buying.

Rates change daily. The best way to know what today's number means for your budget is to get Pre-Qualified.

DM us UPDATE and we'll walk you through it.

10/31/2026

Happy Halloween! 🎃👻

Wishing you a night full of treats, safe trick-or-treating and the best candy on the block.

From our team to your home, have a spooky, sweet one.

10/30/2026

Some mortgage myths are scarier than any haunted house. Let's put them to rest. 🎃

• "You need perfect credit." Many buyers qualify with less-than-perfect credit.
• "Student loans mean you can't buy." They're part of the picture, not a deal-breaker.
• "Self-employed? Forget it." It may take a few more documents, but it's very doable.
• "The lowest rate is always the best deal." Fees, terms and cash to close matter too.

Heard a myth you're not sure about? Visit https://www.phlendings.com/loan-officer/ginger-smith and we'll tell you what's real.

10/29/2026

Breaking up with your landlord this spooky season? 👻

Every rent check builds someone else's equity. When you own, those monthly payments start working for you.

Not sure where to start? Getting Pre-Qualified shows you what you could afford, so you can house-hunt with confidence.

Comment BOO and we'll help you plan your next step.
https://www.phlendings.com/loan-officer/ginger-smith

10/28/2026

Trick or treat? When you're buying a home, you want the treats. 🎃

Tricks to skip:
• Surprise costs at closing
• Shopping before you know your price range
• Opening new credit before you close

Treats to grab:
• Knowing your costs upfront
• Getting Pre-Qualified first
• Keeping your credit steady until the keys are yours

Comment TREAT and we'll help you skip the tricks.
https://www.phlendings.com/loan-officer/ginger-smith

10/28/2026

Today is National First Responders Day.

Thank you to the firefighters, EMTs, paramedics, police officers and dispatchers who run toward what others run from. We're grateful for you and your families.

10/26/2026

No tricks this week, just a little treat. 🎃

Mortgage rates reached their lowest level in about a month. The 30-year fixed averaged around 7.33% as of Friday, down slightly on the week, per Mortgage News Daily. That makes three straight weeks of improvement since rates peaked in early October.

What to watch this week:
• Home price and new home sales reports on Tuesday
• The Fed's rate decision on Wednesday
• Fresh inflation data on Thursday

Wondering if this is a good time to make your move? We'll walk you through it.

Source: Mortgage News Daily. Rates shown are national averages, not a quote or commitment to lend.

10/24/2026

"My friend got a better rate." We hear it all the time.

Your rate is built around your situation, not theirs. It can depend on:
• Your credit history
• Your down payment
• The loan type you choose
• When you lock

Comparing rates with a friend is a little like comparing shoe sizes. We'll walk you through what shapes your rate.
https://www.phlendings.com/loan-officer/ginger-smith

10/23/2026

Want to buy in the spring? The smart move starts this fall.

Spring is when a lot of buyers jump in at once. Getting ready now puts you ahead of them:
• Now: check your credit and clean up anything unexpected
• This fall: set a savings target for your down payment and closing costs
• This winter: get Pre-Qualified so you know your range
• Spring: shop with confidence while others are just getting started

We'll help you build your game plan visit https://www.phlendings.com/loan-officer/ginger-smith

Address

6818 Plum Creek Drive
Amarillo, TX
79124

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://www.phlendings.com/loan-officer/ginger-smith

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