Emory Smith NMLS #1064356

Emory Smith NMLS #1064356 Personal NMLS1064356

What's the difference between pre-qualification and pre-approval? Pre-qualification determines your ability to repay a l...
07/25/2022

What's the difference between pre-qualification and pre-approval? Pre-qualification determines your ability to repay a loan, while pre-approval is a lender’s written commitment to finance a mortgage. We can make your homebuying journey easy, contact us now!

A 15-year fixed mortgage has higher monthly payments, but the interest rate is lower, the cost of the loan is less in th...
07/05/2022

A 15-year fixed mortgage has higher monthly payments, but the interest rate is lower, the cost of the loan is less in the long run and your mortgage is paid off sooner. With a 30-year fixed mortgage, monthly payments are lower because they’re spread out over 30 years. That can make it easier to afford the home you want. But, you end up paying more interest over the life of the loan. Contact us to learn more about these and more mortgage options.

To the dads and father figures who’re there for us through thick and thin: Happy Father’s Day!
06/19/2022

To the dads and father figures who’re there for us through thick and thin: Happy Father’s Day!

College creates life-defining memories, but you have to pay for them. As a homeowner, you can use home equity, potential...
06/06/2022

College creates life-defining memories, but you have to pay for them. As a homeowner, you can use home equity, potential tax savings, and the predictability of your mortgage to make it easier to pay off your student loans. Contact us to learn how!

This Memorial Day, we remember and give our thanks for those who fought and sacrificed for our freedom.
05/30/2022

This Memorial Day, we remember and give our thanks for those who fought and sacrificed for our freedom.

If you’re thinking about selling your home, spring can be a great time to do it. Before listing your home, contact us to...
05/18/2022

If you’re thinking about selling your home, spring can be a great time to do it. Before listing your home, contact us to learn more about the steps you can take to help make the process easier and improve the chances of getting solid offers.

No gift is greater than homeownership! When your clients receive financial help from loved ones, special considerations ...
05/13/2022

No gift is greater than homeownership! When your clients receive financial help from loved ones, special considerations may be needed. I’ll help them navigate their home financing. Contact me to learn more.

You work hard for your money, you want to buy a home, and you need a mortgage. But wait. You’re self-employed. Can you g...
05/06/2022

You work hard for your money, you want to buy a home, and you need a mortgage. But wait. You’re self-employed. Can you get a home loan? Yes! Our Signature 1099 Loan and our Signature Bank Statement Program are designed for borrowers like you. Read more about them and our other exclusive Signature Series loans. https://bit.ly/3kx8oa5

With fixed mortgage rates rising, an ARM or adjustable rate mortgage is a great alternative. It’s a 30-year loan fixed f...
04/29/2022

With fixed mortgage rates rising, an ARM or adjustable rate mortgage is a great alternative. It’s a 30-year loan fixed for the first 5, 7, or 10 years depending on the ARM program you choose before the rate is subject to change. Generally, the interest rate is much lower on an ARM compared to a fixed rate. Contact me for details!

Address

220 West Garden Street, , Pensacola, FL 32502
Destin, FL
32547

Opening Hours

Monday 5am - 12am
Tuesday 5am - 12am
Wednesday 5am - 12am
Thursday 5am - 12am
Friday 5am - 12am
Saturday 5am - 12am
Sunday 5am - 12am

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