Jerry Smith, Branch Manager 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

04/18/2026

Milo is so weird… he hangs out with Squirrels at the birdfeeder.

03/23/2026

Big changes coming to VA appraisals that will help level the playing field for buyers using a VA loan. Excited to share these changes so you can be better equipped as a buyer or seller.


Jerry Smith, NMLS 649483

03/14/2026

Nothing beats a good burn 🔥 Good thinking time.

02/13/2026

Closing on a home 🏠 on the 5th vs the 25th on the month could mean a $1,000 difference in cash to close — and it all comes down to per diem interest. Timing matters more than most buyers realize.

Jerry Smith, NMLS 649483

12/09/2025

There is a 90% probability that the Federal Reserve will announce a 0.25% rate cut tomorrow. What does this mean for mortgage rates if you are currently buying and planning to buy a home?

Remember, it’s not about Time in the market, versus timing the market.
Jerry Smith, NMLS 649483

12/05/2025

If you’re relying on online websites for estimated mortgage payments… you might be setting yourself up for an unpleasant surprise. 😬

Their numbers often assume 20% down, unrealistic property taxes, and underestimated home insurance figures.

Want the real monthly payment? Ask a local lender like myself—not a website.
Jerry Smith, NMLS 649483

11/21/2025

What’s the likelihood of a December Rate Cut?… well, let’s see what the Fed minutes from their latest meeting tells us. Jerry Smith, NMLS 649483

11/19/2025

NAR projections for 2026 housing market! What are thoughts?

Jerry Smith, NMLS 649483

11/13/2025

50-Year Mortgage: Understanding the Financial Impact
We discuss the potential 50-year mortgage proposed by President Trump, analyzing its pros and cons by comparing it to traditional 30-year and 15-year mortgage options. We break down the financial implications, including monthly payments and long-term interest costs.

Jerry Smith, NMLS 649483

01/06/2023

5.0 star review received on Experience.com for Jerry Smith by Melinda D - Jerry is amazing. He’s a great communicator and educator, which is great for first time home buyers and new realtors. I love the videos and detailed explanation of the documents. He’s also a great problem solver. 10 gold stars.

Click to see all 1718 reviews of Jerry Smith,
Branch Manager | NMLS # 649483

12/29/2022

5.0 star review received on Experience.com for Jerry Smith by Patti M - Communication was fantastic! As always, Jerry went above and beyond to make sure that we were able to close this one!!!!

Click to see all 1717 reviews of Jerry Smith,
Branch Manager | NMLS # 649483