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.

PERSPECTIVE MATTERS. 🏡A client recently sent me this mortgage rate card from 1995 — one of the cards I handed out early ...
09/09/2026

PERSPECTIVE MATTERS. 🏡

A client recently sent me this mortgage rate card from 1995 — one of the cards I handed out early in my career.

Rates were 8%, 9%, 10% and higher — yet people were still buying homes, building wealth and moving forward.

After 40 years in the mortgage business, I’ve learned that there is rarely a “perfect” time to buy.

Rates can change. Home prices can change. But you can’t go back and buy yesterday’s home at yesterday’s price.

Don’t let today’s rate keep you from exploring your options. Let’s look at the numbers and see what makes sense for you.

40 years of experience. One goal — helping you make the right mortgage decision.

Member FDIC | Equal Housing Lender

A good credit score isn't the only number that matters when buying a home.Lenders also look at your debt-to-income ratio...
09/08/2026

A good credit score isn't the only number that matters when buying a home.

Lenders also look at your debt-to-income ratio (DTI), which compares your monthly debt payments to your monthly income.

Your DTI includes things like:

✅ Rent or future mortgage payment
✅ Car, student, and personal loans
✅ Credit card minimum payments
✅ Child support / alimony
✅ Buy Now, Pay Later accounts (Affirm, Klarna, Afterpay, etc.)

A lower DTI can give you more flexibility when qualifying for a mortgage.

Aim for a ratio of 36% or lower for the best rates and terms.

And remember: just because an expense doesn't count toward DTI doesn't mean it won't affect your budget.

Thinking about buying a home? Let's talk through your numbers and explore your options. 🏡
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

Whether you're relocating for a new opportunity, helping a family member purchase a home, buying a retirement property, ...
09/03/2026

Whether you're relocating for a new opportunity, helping a family member purchase a home, buying a retirement property, or finding the perfect home outside your current market, you deserve a lending experience that travels with you.

My ability to lend nationwide means you can work with someone you know and trust, no matter where your next chapter begins.

When you're ready to make a move, let's connect and explore your options.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

Many of these programs can be combined, creating opportunities for homebuyers to reduce upfront costs and purchase soone...
09/01/2026

Many of these programs can be combined, creating opportunities for homebuyers to reduce upfront costs and purchase sooner than they may have thought possible.

Reach out anytime if you'd like to discuss your options or get a personalized mortgage quote.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

Our construction loan program combines the financing for the construction of the home and the permanent mortgage into a ...
08/31/2026

Our construction loan program combines the financing for the construction of the home and the permanent mortgage into a single loan with one closing. Streamlining it in this way saves you time and money.

How It Works:

🏗️ Phase 1: Construction - You draw funds as needed during the building process. Payments during this phase are interest-only on the amount drawn.

🏠 Phase 2: Permanent Mortgage - Once construction is complete and the home passes inspections, the loan converts into a traditional mortgage without needing a second closing or requalification.

Contact me any time to learn about construction loans or get a free mortgage quote.

https://myoc.io/Realtor



Member FDIC | Equal Housing Lender

REALTORS® — NOT ALL LOAN OFFICERS ARE EQUAL!My team & I regularly step in and save transactions that have gone off track...
08/28/2026

REALTORS® — NOT ALL LOAN OFFICERS ARE EQUAL!

My team & I regularly step in and save transactions that have gone off track with other lenders. 🏡

Why? Experience matters. With 40 years in the mortgage business and a broad product suite, we know how to navigate challenging situations, find solutions, and keep your transaction moving toward the closing table.

⭐ 40 years of experience
⭐ Creative mortgage solutions
⭐ Extensive product suite
⭐ Responsive, hands-on service
⭐ A team committed to getting deals closed

Don’t wait until a transaction is in trouble. Put our experience to work for you from the start!

Member FDIC | Equal Housing Lender

In the first half of 2026, First Merchants helped 310 households access $2.95 million in down payment assistance. Our te...
08/27/2026

In the first half of 2026, First Merchants helped 310 households access $2.95 million in down payment assistance.

Our team is experienced in matching homebuyers with available grant programs to make homeownership more affordable.

If you know someone planning to purchase their first home, have them reach out. I'll help them explore what's available and see if they might qualify for assistance.
https://myoc.io/Realtor



Member FDIC | Equal Housing Lender

08/27/2026

Happy First Time Home Buyers! Tim Smith- Senior Mortgage Banker,NMLS533266

🏡 ANOTHER HAPPY CLOSING! 🎉Congratulations to Nick & Kristin on purchasing their first home! 🥂After a two-year search, th...
08/27/2026

🏡 ANOTHER HAPPY CLOSING! 🎉

Congratulations to Nick & Kristin on purchasing their first home! 🥂

After a two-year search, they finally found the perfect place to call home and raise their young family. ❤️

Helping first-time homebuyers turn the dream of homeownership into reality is what it’s all about!

Congratulations, Nick & Kristin — wishing you many wonderful memories in your new home! 🏡🔑

Equal Housing Lender/ Member FDIC

Many homeowners assume refinancing is only worth considering when interest rates fall.In reality, there are a variety of...
08/25/2026

Many homeowners assume refinancing is only worth considering when interest rates fall.

In reality, there are a variety of reasons people choose to refinance based on their financial goals and needs.

Some homeowners use refinancing to access home equity for renovations, consolidate higher-interest debt, pay off credit cards or personal loans, or help cover major expenses like college tuition, medical bills, or weddings.

If you’re ever curious about refinancing, I offer a free refinance analysis to help you evaluate the costs and benefits.
https://myoc.io/Realtor

Member FDIC | Equal Housing Lender

Address

1712 W. Maple Road
Birmingham, MI
48009

Telephone

+12487703717

Website

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