Tim Smith- Senior Mortgage Banker,NMLS533266

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United States
Birmingham, MI
Tim Smith- Senior Mortgage Banker,NMLS533266

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

11/03/2026

Buyer affordability continues to be one of the biggest challenges in today's market.

That's one reason we're seeing increased interest in temporary buydowns.

Rather than negotiating only on price, buyers and sellers may be able to use concessions to temporarily reduce the buyer's interest rate and monthly payment during the first year or two of the loan.

It's not the right fit for every transaction, but it's a strategy that's helping some buyers move forward in today's market.

Let's connect if you'd like to see how the numbers work.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

11/03/2026

🏡 PLANNING TO BUILD IN SPRING 2027? LET’S GET YOU READY NOW!

Builders & Realtors rely on our expertise in New Construction Draw Loans!

Whether you’re a Builder planning your next project or a future homeowner preparing to build, our team has the experience to help make the financing process smooth and efficient.

🔑 DON’T WAIT UNTIL SPRING! Contact Tim Smith & Team today to review your financing options, get qualified, and be ready when it’s time to build.

📲 Let’s start planning your Spring 2027 build today!

Tim Smith & Team | First Merchants Bank
Helping you prosper!

Member FDIC | Equal Housing Lender

10/29/2026

Depending on your situation, you could qualify for low down payment financing, grants, or down payment assistance programs that help reduce upfront costs. The challenge is knowing what's available and understanding which programs can be combined.

That's where having the right lender matters.

I help my clients explore every available option. That could include our Community Homebuyer Grant, which offers up to $7,500 toward down payment and/or closing costs, as well as additional assistance programs available through local community partners.

Before you decide homeownership is out of reach, let's talk. A quick homebuyer consultation could uncover opportunities you didn't know existed.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

10/28/2026

Our Physician Mortgage program offers up to 100% financing (no down payment) with no private mortgage insurance (PMI). A great option for doctors, dentists, veterinarians, pharmacists, and medical residents.

Send me a message to learn more, or click here for program details:
https://www.firstmerchants.com/personal/borrowing/mortgages/compare-mortgages/physician-loans

Member FDIC | Equal Housing Lender

10/27/2026

First comes Fall. Then comes...

Snow, ice, and freezing temps.

Is your home ready?

Member FDIC | Equal Housing Lender

10/26/2026

🏠 Birmingham, we're right here at Maple & Chesterfield!

Whether you're a first-time buyer, a jumbo borrower, building new, renovating, or need a bridge loan, I'd love to help you find the right fit.

Homebuyers: stop in or message me.
Realtors: let's connect and build something together. Fast Preapprovals!
Helping you prosper!

Member FDIC | Equal Housing Lender

10/22/2026

Depending on your situation, you could qualify for low down payment financing, grants, or down payment assistance programs that help reduce upfront costs. The challenge is knowing what's available and understanding which programs can be combined.

That's where having the right lender matters.

I help my clients explore every available option. That could include our Community Homebuyer Grant, which offers up to $7,500 toward down payment and/or closing costs, as well as additional assistance programs available through local community partners.

Before you decide homeownership is out of reach, let's talk. A quick homebuyer consultation could uncover opportunities you didn't know existed.

https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

10/22/2026

"We got pre-approved, so we bought all the furniture for the new house."

It's a mistake that happens more often than you'd think.

Buying a home is exciting, and it's natural to start planning for life in the new space. But before financing furniture, appliances, or a new vehicle, check with your lender.

What seems like a routine purchase can affect the mortgage process in ways many buyers don't expect.

Keep things as close to "business as usual" as possible until after loan closing.

Member FDIC | Equal Housing Lender

Address

1712 W. Maple Road
Birmingham, MI
48009

Telephone

+12487703717

Website

http://www.timsmithpreapproval.com/

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