Jerry Smith, Branch Manager NMLS# 649483

09/04/2026

Highlight of the morning… Livi the fisher girl!

09/01/2026

You’ve probably heard that the credit scores shown on sites like Credit Karma will not match the scores a lender reviews during a preapproval. However, websites like Credit Karma can be a great tool to determine if you scores are trending up or down.

Jerry Smith, NMLS 649483

08/28/2026

Buying a home in 2023 might have been a tough decision when the average interest rate was hovering around 7% — but the numbers tell a different story three years later. Values have continued to increase even while rates have remained in very similar levels over that same timeframe.
This is exactly why timing the market perfectly matters less than Time in the market.

Jerry Smith, NMLS 649483

08/25/2026

Real Conversations with clients should not always result in them getting exactly what was requested during the initial call. Part of me having a Mortgage Planning meeting with everyone I work with is to make sure the structure of your home loan matches your overall financial goals. And just like ice cream (more weakness by the way), there are more flavors than Vanilla.

Make sure you are working with a professional that is willing to give professional advice and not just be an order taker.

Jerry Smith, NMLS 649483

08/14/2026

08/11/2026

Who are the Homebuyers winning is this market? It might surprise you.
Jerry Smith, NMLS 649483

07/18/2026

First time watching the Blue Marlin weigh-in at The Wharf! Great daddy and daughter time!

06/25/2026

I had a great conversation this week with a young couple who are planning to buy a home 1-2 years from now — and honestly, it was one of my favorite kinds of meetings to have. 🏡

They started early, asked the right questions, and left with a clear roadmap of exactly what they need to do to be ready when the time comes. That kind of preparation is a total game changer.

Here’s the thing — buyers who take the time to sit down with a lender *before* they’re ready to buy almost always have a smoother, less stressful experience than those who rush into it. They know their numbers, they’ve had time to strengthen their financial position, and when the right home comes along, they’re ready to move with confidence.

There’s no such thing as “too early” to have that first conversation. In fact, the earlier the better.

If you or someone you know is thinking about buying a home down the road and wants to start on the right foot — I’m your guy. Drop a comment, send me a DM. Let’s map out your path to homeownership.

— Jerry Smith, NMLS 649483

06/23/2026

Concerned about your Parent’s living situation but worried it would be too expensive to give them their own space? This could be a solution that you may not have thought about.

Using a Conventional mortgage, a child has the option to purchase a home for their elderly parent to occupy as a primary residence, with as little as 5% down. So many times, people are told that 20% down is the minimum if purchasing a home under this scenario and that’s not true.

Send me a DM if you’d like more info, or give me a ring 706.594.1306
Jerry Smith, NMLS 649483

04/29/2026

Think you need a credit score to buy a home? Not always.
We recently helped a veteran purchase using their VA benefit—with no credit score. 🇺🇸🏡

It’s called a manual underwrite—where we look at real payment history, not just a number.

If you’ve been told “no” before, there may still be a path forward.

Jerry Smith NMLS 649483