Tim Smith- Senior Mortgage Banker,NMLS533266

Tim Smith- Senior Mortgage Banker,NMLS533266 Experienced Mortgage Banker, originating loans in S.E. Michigan for 36 years! Working hard to help families realize their dream of homeownership.

🏠🎉 Dreams DO come true and I got a front row seat to witness it! I’ve had the privilege of knowing Hayden since the DAY ...
06/09/2026

🏠🎉 Dreams DO come true and I got a front row seat to witness it! I’ve had the privilege of knowing Hayden since the DAY HE WAS BORN, so to help him and his beautiful Hannah purchase their new home is something I will absolutely treasure forever! And to top it all off, I got to partner with his incredible mom and my dear friend Tracey to make it happen — talk about a CELEBRATION! This is exactly WHY I do what I do! Congratulations Hayden & Hannah — wishing you a lifetime of love and happiness in your new home! 💕🏡✨

Member FDIC | Equal Housing Lender 🏛️

If you’re planning to buy in the next year or two, here’s where I’d focus your time and energy now:👉 Start with a conver...
06/09/2026

If you’re planning to buy in the next year or two, here’s where I’d focus your time and energy now:

👉 Start with a conversation

Talk with a lender (that’s me!) about loan options and what it takes to qualify. It doesn’t commit you to anything, it just helps you understand what to expect when the time comes.

👉 Get clear on your budget

Think about a monthly payment that feels comfortable for your life, one that doesn’t cause stress or leave you living paycheck to paycheck. From there, we can map out home prices and how much to save for the down payment and closing costs.

👉 Check your credit early

You don’t need perfect credit, but knowing where you stand gives you time to improve if needed. Aim for a score in the mid-600s or higher, with better rates and terms often available as you move into the 700+ range.

You don’t have to be “ready” yet to start preparing. Message me to start the conversation 📩
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

A well-planned budget isn’t just about getting into a home. It’s about being able to stay comfortable, handle surprises,...
06/04/2026

A well-planned budget isn’t just about getting into a home. It’s about being able to stay comfortable, handle surprises, and enjoy it long-term.

That’s why it’s important to think beyond the down payment.

Need help creating a home budget? Send me a message – no cost or sales pressure.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

First-time homebuyers don’t just need a loan — they need a guide. 🗝️Samantha S. said it best: “They guided me every step...
06/03/2026

First-time homebuyers don’t just need a loan — they need a guide. 🗝️

Samantha S. said it best: “They guided me every step of the way and made sure I received ALL the benefits First Merchants had to offer.”
That’s what we do differently. Low down payment options. Grants. Hands-on guidance from contract to keys
Realtors & Builders — when your clients say “I don’t know if I can afford it,” send them our way. We turn maybe someday into move-in day. 🏠
📲 Let’s connect and talk about how we can close more deals together.

Member FDIC | Equal Housing Lender

🚀 AI is here — and Real Estate professionals are taking notice.Today we hosted an incredible AI & Real Estate workshop a...
06/02/2026

🚀 AI is here — and Real Estate professionals are taking notice.

Today we hosted an incredible AI & Real Estate workshop at our brand-new First Merchants Michigan headquarters and the energy in the room is electric! 🙌

Ryan McHugh is delivering a powerful session — “AI Is Here: Lead the Charge or Get Replaced” — and our Realtors and Builders showed up ready to learn and take action.

As a top mortgage banker in Michigan, I’m committed to bringing my partners more than just great rates — I bring them a competitive edge.

If you’re a Realtor or Builder in Michigan and you’re not thinking about how AI fits into your business, now is the time. 💡 Let’s connect!



First Merchants Bank | Member FDIC | Equal Housing Lender 🏠

If owning a second home is your goal, here are the big things worth thinking through early, before you ever look at list...
06/02/2026

If owning a second home is your goal, here are the big things worth thinking through early, before you ever look at listings or rates.

1. The purpose

What do you want the home for – weekends, family gatherings, future retirement, or something else? Will it be mostly personal use, or will others use it too?

2. How often you’ll realistically use it

Occasional getaways vs. frequent stays make a big difference in cost‑versus‑value. Be honest about time, travel distance, and life changes.

3. Long‑term fit

Could this become your primary home one day? How does a second home fit alongside other goals like retirement, college savings, or lifestyle plans?

4. Financial readiness

Down payment requirements for a second home are usually higher. Make sure the cost fits comfortably alongside your current mortgage and monthly obligations.

5. Ongoing costs

Property taxes, insurance, utilities, HOA fees, maintenance, and repairs. These continue even when you’re not there.

6. Timing

You don’t have to buy now to plan now. Even if it’s “someday”, understanding what lenders look for can help you prepare well ahead of time.

Whether it’s a near-term goal or part of a longer-term plan, the best time to ask questions and start preparing is now. If you want to walk through your goals and timing, let’s connect!
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

🏡 Another First-Time Homebuyer Success Story!Helping first-time buyers achieve homeownership is one of the most rewardin...
06/02/2026

🏡 Another First-Time Homebuyer Success Story!

Helping first-time buyers achieve homeownership is one of the most rewarding parts of what we do!

This wonderful testimonial highlights what sets our team apart:

âś… First-time homebuyer expertise
âś… Low down payment options
âś… Grant opportunities available
âś… Responsive communication
âś… Smooth closings from application to funding

For Realtors and Builders, having the right lending partner can help more buyers qualify and confidently achieve their dream of homeownership.

Thank you, Samantha, for trusting our team and for the kind words!

More solutions. More opportunities. More homeowners. 🏡✨

Member FDIC | Equal Housing Lender

If you’re planning to buy your first home, here are some programs worth knowing about:➡️ Next Horizon Loans – An exclusi...
05/28/2026

If you’re planning to buy your first home, here are some programs worth knowing about:

➡️ Next Horizon Loans – An exclusive First Merchants program with 0% down payment options, no PMI, and non-traditional credit history accepted.

➡️ FHA Loans – Popular with first-time buyers due to lower down payment requirements and more flexible credit guidelines.

➡️ Down Payment Assistance & Grants – Programs that may help cover part (or all!) of your down payment or closing costs, depending on eligibility.

I’m happy to help you understand what you qualify for and build a plan that fits your budget. Message me to schedule a free homebuyer consultation.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

This is such a great offer for medical residents looking to buy a home soon. The below-market rate promotion ends June 3...
05/28/2026

This is such a great offer for medical residents looking to buy a home soon. The below-market rate promotion ends June 30th, but our standard Physician Mortgage Program remains available year-round with no down payment and no PMI for qualifying residents. Reach out if you know someone who could benefit!

https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

Address

1712 W. Maple Road
Birmingham, MI
48009

Telephone

+12487703717

Website

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