Matt Smith - Granite Bank

Matt Smith - Granite Bank 30 yrs experience as a Loan officer. Expert in VA, USDA, FHA, Conventional, Jumbo, Down Payment Assistance & First Time Homebuyer loans. Problem solver.

Accurate pre-qualifications/ smooth approvals. Realtor education. Clear, consistent communicator. I've been married for 40 yrs and have 2 daughters and 2 sons - all are happily married and all I am very proud of. I also have 3 wonderful grand kids. :)
I went to Westwood High School and graduated from the University of Iowa / varsity tennis / Big Ten doubles championship. Life long player of tenni

s and racket ball. 4th black MMA. Regarding work -
Proven track record preparing clients for homeownership and strengthening their credit profiles.
• Extensive expertise closing VA, USDA, FHA, Conventional, Jumbo & Down Payment Assistance loans
• Strong problem-solving and underwriting knowledge to prevent issues before they arise
• Highly skilled in accurate, thorough pre-qualifications to ensure smooth approvals
• Proven ability to navigate and resolve lending challenges to keep loans on track and closed
• Exceptional communication with Realtors and clients—keeping everyone informed at every step
• Committed to protecting Realtor reputations and making them look great to their clients
• Educator in advanced open house tactics and client-capture strategies for Realtors
• Experienced in communicating with listing agents to maintain confidence and momentum throughout the loan process

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while a...
09/02/2026

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while adjustable-rate loans may start with a lower rate that can adjust over time. Your future plans for the home can help determine which path is right for you. Reach out to learn more about your mortgage options.

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home...
08/31/2026

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home purchase without including their current mortgage payment in the debt-to-income calculation, subject to program guidelines and qualification requirements. Individual results vary, and mortgage approval remains subject to application, underwriting, and credit approval. Contact me to learn more.

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government ...
08/29/2026

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government bonds may be considered differently when calculating reserves. Understanding how your assets are evaluated can help you prepare for home financing. Contact me to learn more.

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn ...
08/27/2026

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn more.

There is also another 30 yr fixed loan with a zero down payment available to any borrower - you don't have to be a vete...
08/25/2026

There is also another 30 yr fixed loan with a zero down payment available to any borrower - you don't have to be a veteran. Call me for the details. 602.369.5158

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no mont...
08/25/2026

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.

Applying for a mortgage soon? Gathering these 5 documents ahead of time can help keep the process moving.
08/23/2026

Applying for a mortgage soon? Gathering these 5 documents ahead of time can help keep the process moving.

Buying and selling at the same time can be challenging. The Cash to Win program may help eligible homeowners move forwar...
08/22/2026

Buying and selling at the same time can be challenging. The Cash to Win program may help eligible homeowners move forward with their next purchase by providing a conditional commitment to purchase their current home if it does not sell by an agreed-upon date. Program participation is subject to eligibility, property review, valuation, contractual terms, and other conditions. Contact me to learn more.

Preparing to buy a home starts before you apply. Learn how improving your credit, building savings, and managing debt ca...
08/19/2026

Preparing to buy a home starts before you apply. Learn how improving your credit, building savings, and managing debt can help in our latest blog on my website.

Self-employed? A bank statement loan may allow eligible borrowers to qualify using bank deposits instead of traditional ...
08/17/2026

Self-employed? A bank statement loan may allow eligible borrowers to qualify using bank deposits instead of traditional tax-return income. Contact me to learn more.

Address

11660 Theatre Drive North
Champlin, MN
55316

Opening Hours

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

Telephone

+16023695158

Website

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