Stanley P. Smith, Mortgage Loan Originator, NMLS #819757

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United States
Grapevine, TX
Stanley P. Smith, Mortgage Loan Originator, NMLS #819757

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Mortgage Loan Originator with Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

10/28/2026

Did you know a seller can sometimes help with your closing costs? 🏡
It's called a seller concession, and the limits depend on your loan type. Ask me how it could apply to your purchase.

All loans subject to credit and property approval. Seller concession limits vary by loan program, occupancy, and loan-to-value, and other restrictions apply. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.
https://myoc.io/ssmith

10/21/2026

Buying a home and wondering what costs a seller can help cover? 🤔
The answer depends on your loan program. Message us and we'll point you in the right direction.

All loans subject to credit and property approval. Seller concession limits vary by loan program, occupancy, and loan-to-value, and other restrictions apply. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.
https://myoc.io/ssmith

10/14/2026

Whether you are buying your first home, planning your next move, or exploring options as a homeowner, having a trusted resource matters. We are grateful for every opportunity to educate, guide, and support our clients through important financial decisions. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

10/07/2026

One thing clients consistently tell us they value most is communication. Timely updates. Honest conversations. Clear expectations. We believe staying informed helps make the mortgage process less stressful and more predictable. That is a standard we will never compromise. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/30/2026

Life changes. Goals evolve. Maybe you are considering home improvements, preparing for a move, or planning your next chapter. Whatever brings you to the conversation, we are committed to helping you understand your options and creating a strategy that supports your long-term goals. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/23/2026

Questions are a normal part of buying or refinancing a home. In fact, we encourage them. Our team believes informed clients make confident decisions, and we are always happy to walk through the details so you understand your options every step of the way. All loans subject to credit approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/16/2026

One of the biggest misconceptions about buying a home is feeling like you need to rush. Every buyer’s path looks different. Whether you are actively searching or simply gathering information, we are here to provide guidance and help you prepare for the future at your own pace. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/09/2026

For us, the relationship does not end when the paperwork is signed. We are proud to remain a resource for our clients long after closing day, helping answer questions and support future goals as life evolves. Because homeownership is more than a moment. It is a journey. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/02/2026

Happy and thankful to be recognized as one of the "Best Mortgage Professionals" by best of D Magazine.

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

09/02/2026

Buying a home involves several moving pieces, but understanding the process should not be difficult. From your first conversation through closing, we are committed to keeping you informed and helping you know what to expect around every corner. The best experiences happen when communication comes first. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank. NMLS #466091
https://myoc.io/ssmith

Address

Grapevine, TX
76051

Telephone

+18172517881

Website

https://happybank.com/personal/mortgage/stan-smith?_ga=2.253481097.1657750044.1741029639-646974270.1696512756

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