Matt Smith - Granite Bank

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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 tennis 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

Every rent payment goes to your landlord, but a mortgage payment may help you build equity over time. Buying a home isn'...
09/23/2026

Every rent payment goes to your landlord, but a mortgage payment may help you build equity over time. Buying a home isn't the right move for everyone, but it may be worth exploring your options. Contact me to learn more.

A strong offer can make all the difference in a competitive market. Learn how the Cash to Win program may help eligible ...
09/21/2026

A strong offer can make all the difference in a competitive market. Learn how the Cash to Win program may help eligible buyers compete with cash offers and improve their chances of securing the home they want. Visit my website to read this month's blog.

Not every borrower fits the traditional mortgage box. The Sharp A- Program may provide eligible buyers with flexible inc...
09/19/2026

Not every borrower fits the traditional mortgage box. The Sharp A- Program may provide eligible buyers with flexible income documentation options and alternative paths to qualifying. Contact me to learn more and find out if you qualify.

09/17/2026

The Federal Reserve announced its latest rate decision on September 16. While the Fed does not directly set mortgage rates, its decisions and related market conditions can influence borrowing costs and affordability. Read this month’s market update on my website to learn more.

Before choosing a lender, make sure you know what to ask. Understanding your rate, APR, closing costs, rate lock options...
09/16/2026

Before choosing a lender, make sure you know what to ask. Understanding your rate, APR, closing costs, rate lock options, and required documentation can help you avoid surprises later. Contact me to learn more and get started.

Fall can be one of the busiest times for buyers trying to get into a home before the holidays, making it even more impor...
09/14/2026

Fall can be one of the busiest times for buyers trying to get into a home before the holidays, making it even more important to stand out in a competitive market. The Cash to Win program may help eligible buyers submit a cash offer and compete more effectively. Contact me to learn more and see if Cash to Win is right for you.

Lenders use your debt-to-income ratio to help determine your mortgage eligibility. Car payments, student loans, credit c...
09/13/2026

Lenders use your debt-to-income ratio to help determine your mortgage eligibility. Car payments, student loans, credit cards, and child support are typically included, while everyday expenses like groceries and utilities are not. Contact me to learn more.

USDA loans may allow eligible buyers to purchase a home with no down payment. Eligibility depends on the property's loca...
09/09/2026

USDA loans may allow eligible buyers to purchase a home with no down payment. Eligibility depends on the property's location and income requirements. Closing costs and other expenses may still apply. Contact me to see if you qualify.

Happy Labor Day! Wishing you and your family a safe and happy holiday.
09/07/2026

Happy Labor Day! Wishing you and your family a safe and happy holiday.

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.

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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