Bob Smith, VP- Mortgage Loan Officer, Mercantile Bank, NMLS 139098

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United States
Grand Rapids, MI
Bob Smith, VP- Mortgage Loan Officer, Mercantile Bank, NMLS 139098

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My goal is to provide my clients tremendous customer service before, during and after the Closing!

My goal is to provide my clients with tremendous customer service before, during and after the Closing! Equal Housing Lender | Member FDIC | Comments and postings on this page do not necessarily reflect the views and opinions of Mercantile Bank

10/31/2026

Ready to get your finances looking less terrifying than a haunted house this Halloween? 🎃 Whether you're dealing with the ghosts of mortgage matters past or looking to finance your dream home without the fright, I'm here to make achieving your homeownership goals a treat, not a trick!

Kitty ears and vampire teeth won't make closing costs disappear, but my expertise will make the process as smooth as a candy-induced nap! Let's have a chat!

Interested in learning more about what makes a mortgage officer scream with excitement? Share your dream in the comments! Follow me for fa-boo-lous tips. 🏠
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

10/21/2026

Should you buy a starter home now, or keep renting until you can afford your forever home?

Many buyers believe their first purchase must be their final destination. In reality, a starter home can help you build equity sooner, while waiting can save you the stress of moving twice.

The right choice comes down to your personal timeline and future goals. My role as a loan officer is to help you determine which path gives your future self the most flexibility.

Send me a message or call 616-560-8071 today to explore your options. 🏡
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

10/14/2026

Equal Housing Lender: I know October may not traditionally be the month clients are looking to buy a second home on a lake, but it might be a good time to do so. There are probably fewer clients looking to buy a lake home this time of year as compared to the spring-which means less competition! If you are in the market to buy a cottage, please contact me to discuss possible financing options! 616.560.8071.

09/18/2026

Equal Housing Lender: I am fortunate to have terrific referral partners! Some deals are smooth and straight forward. Others are more nuanced. We will work very hard to try to find solutions for those tough deals! Also, there are times when a deal really isn't "tough"-it may be just having a thorough understanding of guidelines!

09/16/2026

Had a great time at out Top Producer Summit in Detroit. Always love spending time with our team to collaborate on how we can help make our department even better......and to have a few laughs along the way! Truly an exceptional group of Mortgage Pros that I am fortunate to be a part of.

09/15/2026

Stop asking your lender how much house you can afford. Qualifying for a maximum loan amount does not mean it fits your lifestyle. Instead, focus on the monthly payment that allows you to live comfortably while still saving for the future. From down payment assistance to seller credits, we can explore options tailored to your real financial goals. The goal should never be squeezing into the biggest mortgage possible. Ready to find a home payment you can truly live with? Call or text me at 616-560-8071 today to start mapping out your plan 🏠
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

08/06/2026

Equal Housing Lender: Are you a Physician or Dentist looking to buy or build a home? Please ask me about our Doctor/Dentist program! 616.560.8071

08/03/2026

Dreaming of owning your first home? As a first-time homebuyer, you could qualify for special loan programs that make achieving that dream easier than ever. 🏠 Whether you're eager to stop renting or excited to start building equity, I'm here to guide you through every step.

Have any questions about what options are available? Comment 'Homebuyer' below, and let's start your journey to owning today!
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

07/28/2026

Thinking about tapping into your 401k to buy your dream home? You can actually use retirement funds for a down payment, but the strategy matters. Taking a loan against your account avoids early tax penalties, while a direct withdrawal might impact your long term growth. Every situation is unique, so balancing your future savings with today purchasing power is key. 🏡 Ready to explore the smartest way to finance your home? Send me a message today to discuss your options.
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

07/27/2026

Ready to revolutionize your mortgage payments? Say goodbye to manual payments with our convenient auto payment system!

Take control of your financial journey with ease and set yourself up for stress-free homeownership. Have questions about how auto payments can benefit you?

I'm here to guide you every step of the way—even if your pet helps make budget decisions! Comment below or send me a message to get started today.
https://myoc.io/bSGuhswoGOp

Equal Housing Lender NMLS # 139098

Address

310 Leonard Street NW
Grand Rapids, MI
49504

Telephone

+16165608071

Website

http://www.mercbank.com/mortgage

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