Ian Smith - NMLS 1465241

05/11/2026

Tomorrow at noon I have something a little different for Tuesday Mortgage Chat.

I am bringing in an Insurance agent to join me live. Insurance is one of those topics that quietly affects more deals than people realize right now. It can change what a buyer qualifies for, affect what a seller nets, and in this market it is coming up more than ever before.

Join me tomorrow at 12:00 to be part of the conversation!

Link - https://linktr.ee/thecltmortgageguy

05/08/2026

This Tuesday I'm bringing in a guest.

Tom Sheridan from Goosehead Insurance is joining me live to talk about insurance. What realtors need to know, what buyers should be asking, and how to spot a problem before it becomes one.
No scripts. No sales pitch. Just real answers to real questions.

Tuesday at noon. Free. Drop in, no booking needed. linktr.ee/thecltmortgageguy

05/01/2026

Just closed a deal yesterday where the appraisal came in far below the contract price.

Most times when the gap is that wide, the deal is dead. This one didn't die.

This Tuesday at noon I'm walking through exactly what happened, what we did to keep it alive, and how the client came out on the other side in a better position than they started.

If you've ever had an appraisal blow up a deal, or you're worried about it happening, this one is for you.

Drop in Tuesday at noon. No booking, no agenda, just show up.
https://linktr.ee/thecltmortgageguy

04/08/2026

Big condo changes are here — and if you're buying, selling, or representing a condo deal this year, this affects you directly.
Fannie Mae and Freddie Mac just dropped the biggest update to condo financing in years. I broke down every change live on Tuesday Mortgage Chat with Ian this week — deadlines, what it means for your deals, and what to do when a building doesn't qualify.

Watch the full session here: https://youtu.be/3ZC9yRVW-0Q
Drop your condo questions in the comments. Have a specific building you're working with? Tag me and I'll tell you where it stands.

Tuesday Mortgage Chat with Ian — every Tuesday at noon. Free, no booking required.

linktr.ee/thecltmortgageguy

View thecltmortgageguy’s Linktree to discover and stream music from top platforms like YouTube, Spotify here. Your next favorite track is just a click away!

03/09/2026

New chapter. Same mission.

I've joined Rate, and I'm bringing everything I've got to help buyers get to the closing table and give agents a lending partner they can actually count on.
If you've worked with me before, nothing changes except the resources behind me. If we haven't connected yet, now's a great time.
Drop a question in the comments or grab a quick 15 minutes with me. Link in bio.

10/19/2024

MTG Life through the years.

01/15/2024

🌟 New Year, New Look! 📸 Excited to unveil my fresh headshot for 2024. It's all about embracing change and stepping into the new year with confidence. Here's to new beginnings and endless possibilities. "

12/29/2023

07/18/2023

🏠 Are you dreaming of owning your first home in Charlotte? The journey to homeownership can seem daunting but with the right guidance, it can be a breeze. Here's a quick tip for you: Always begin with getting pre-approved. A mortgage pre-approval is your ticket to securing the home of your dreams! 💡🔑
Reach out to me for your pre-approval process today and get one step closer to your dream home. 📞👩‍💼