Jim Smith, Mortgage Pro

Jim Smith, Mortgage Pro I provide high-end professional mortgage consulting for all of your purchase and refinance needs.

Jim Smith
NMLS ID: 149255
ULHL NMLS 1124061
NMLS Site:
:http://www.nmlsconsumeraccess.org/
Licensing Statement: https://www.lower.com/legal/social
Privacy Policy:
https://www.lower.com/legal/privacy-policy
More Info: linktr.ee/mortgagesbyjim NMLS License 149255
ULC NMLS #2996
Colorado Mortgage Broker License 100017327

Regulated by the Division of Real Estate

Opening Doors, Closing

Loans, Bringing You Home! I have been in the Banking Industry since 1989 starting out in operations in Craig, CO and working up to Vice President of a Bank in Grand Junction by the time I was 25. I started my own Mortgage company (Reliance Mortgage) in September 2001 and successfully managed and grew that business until I sold to Major Mortgage in July 2009. I became a Senior Loan Originator with VIP Mortgage after moving to the Denver area in 2012 and most recently joined Universal Lending Corporation a Colorado company of more than40 Years!. With over 20 years of experience and thousands of satisfied customers I have the experience to get the job done right and efficiently.

Home is where the best Fourth of July memories are made. 🏠Happy Independence Day ❤️🤍💙
07/05/2026

Home is where the best Fourth of July memories are made. 🏠

Happy Independence Day ❤️🤍💙

To all of the incredible moms who turn houses into homes and make every space feel a little warmer.... thank you for eve...
05/10/2026

To all of the incredible moms who turn houses into homes and make every space feel a little warmer.... thank you for everything you do, seen and unseen, every single day.
Happy Mother’s Day from all of us at Universal Lending Home Loans. 🌷💗

When it comes to buying a home… it might feel like luck when everything falls into place, but the truth is, the best out...
03/17/2026

When it comes to buying a home… it might feel like luck when everything falls into place, but the truth is, the best outcomes are built with a plan.
The buyers who win (especially in today’s market) aren’t just “getting lucky”… they’re getting prepared.

✨ They understand their numbers
✨ They know their loan options
✨ They have a strategy before they ever walk into a home

Because when the right home comes along, you don’t want to hope it works out, you want to know you’re ready.

That’s exactly what we do together.

We’ll walk through your goals, your finances, and map out a clear plan so that when the opportunity shows up… you’re in the best position to win 🏡

🍀 Luck is great, but strategy is better.

Remember when buying a home in Colorado felt like you had no say in the deal?Just a year ago, if you asked for a repair ...
03/15/2026

Remember when buying a home in Colorado felt like you had no say in the deal?

Just a year ago, if you asked for a repair or a credit, you’d probably lose the house. But things have shifted. We’re in a new era where buyers actually have some leverage again.

I’m seeing my clients negotiate for things that were off the table recently: like seller-paid rate buy-downs to lower their monthly mortgage payment or getting those essential repairs handled before closing. You aren't just taking what you can get; you're building a deal that actually works for your long-term goals.

It’s a great time to be a buyer if you know how to play your cards. If you’re curious about how this "new" negotiation power can help you land your dream home without overpaying, call me.

What’s the one thing you’d want a seller to cover in today's market?

Did you see how fast that window just closed?Market timing is a lot like Colorado weather: if you don't like it, just wa...
03/13/2026

Did you see how fast that window just closed?

Market timing is a lot like Colorado weather: if you don't like it, just wait five minutes. But when rates dip or that perfect home hits the market, those minutes are everything.

The buyers who won this week weren't the ones who started their paperwork on Monday. They were the ones who were already pre-approved and ready to pounce.

Think of pre-approval as your fast pass. It is the difference between being first in line and being left in the dust. My goal is to help you build a strategy so that when the next window opens, you are already ahead of the pack.

Don't wait for the market to move to get your plan in place. Call me or visit my site at https://www.ulhomeloans.com/lo/jsmith to get started today.

Have you ever missed out on a home because things moved a little too fast?

Mortgage rates recently dropped below 6%, hitting their lowest point in almost three years.For buyers: lower rates = mor...
02/26/2026

Mortgage rates recently dropped below 6%, hitting their lowest point in almost three years.

For buyers: lower rates = more purchasing power
For homeowners: this could open the door to meaningful monthly savings
For anyone waiting on the sidelines: it’s time to re-check the numbers

If you want to understand what this means for you, let's talk through the numbers together. 🏡

Think you know everything about reverse mortgages? You might want to take a second look, because 2026 has changed the ga...
02/25/2026

Think you know everything about reverse mortgages? You might want to take a second look, because 2026 has changed the game.

I talk to a lot of neighbors here in Colorado who are "house rich but cash poor." They’ve lived in their homes for decades and watched the value soar, but they still feel squeezed when it comes to daily expenses or planning for the future. For years, there’s been a common fear: "If I get a reverse mortgage, the bank takes my home."

Let’s debunk that right now: You still own your home. Period.

In 2026, new regulations and lower costs have made this one of the smartest ways for seniors 55+ to access their equity. It’s not a last resort anymore; it’s a strategic move for financial flexibility. Whether you want to renovate, cover healthcare, or just enjoy your retirement without stress, your home can finally start taking care of you.

I’d love to help you explore if this fits your goals. No jargon, no pressure: just a consultative chat to see what makes sense for you.

Check out my website at https://www.ulhomeloans.com/lo/jsmith or send me a message to learn more!

What’s one thing you’d love to do in retirement if money wasn’t a concern?

Your home is sitting on a secret weapon, and it's finally time to put it to work.With HELOC rates hitting a 3-year low r...
02/24/2026

Your home is sitting on a secret weapon, and it's finally time to put it to work.

With HELOC rates hitting a 3-year low right here in Colorado, your home equity just became a debt-killing machine.

If you've been feeling the weight of high-interest credit cards or loans, you can use the value you've already built in your house to wipe that slate clean. Instead of juggling multiple payments at sky-high rates, you can consolidate everything into one manageable, lower-interest line of credit.

Or maybe your home just needs a little love? Whether it's that kitchen remodel you've been dreaming of or finally finishing the basement, a HELOC gives you the flexibility to borrow what you need, when you need it.

At Universal Home Loans, we aren't just looking at a transaction. We want to help you make a smart move that sets you up for long-term financial freedom.

Ready to see how much equity you have to work with? Send me a message or check out my site at https://www.ulhomeloans.com/lo/jsmith and let's run the numbers together.

What's the first home project or high-interest debt you'd tackle if you could unlock your equity today?

Waiting for interest rates to drop further might be the most expensive mistake you make in 2026.I see it all the time: b...
02/23/2026

Waiting for interest rates to drop further might be the most expensive mistake you make in 2026.

I see it all the time: buyers sitting on the sidelines, waiting for that perfect 5% rate. But here’s the math that most people miss. At our current 6.2%, you actually have power. You can negotiate on the price, ask for seller concessions, and take your time choosing the right home.

If you wait until rates drop, guess what happens? Everyone else who was waiting jumps back in at the same time. Competition spikes, home prices climb, and suddenly you’re in a bidding war. That 5% or 10% increase in home price usually wipes out any savings you would’ve seen from a lower rate.

The 2026 strategy is simple: Marry the house, date the rate. If you find the home you love now, buy it while you have the upper hand. If rates drop later, we refinance you. If they go up, you’ll be glad you locked in at 6.2%.

I’m helping my clients run these Cost of Waiting numbers every day so they can make a smart, stress-free move.

Want to see the math for your specific budget? Shoot me a DM and let’s crunch the numbers.

What is the one thing holding you back from making a move in today's market?

Remember when you had to waive inspections, offer $50k over asking, and hope for the best just to get a look at a house?...
02/22/2026

Remember when you had to waive inspections, offer $50k over asking, and hope for the best just to get a look at a house? Those days are finally in the rearview mirror.

It’s what we’re calling "Buyer’s Revenge" here in Colorado. With February’s massive surge in inventory, the power is officially shifting back to you. You’re not just another offer in a pile of fifty anymore; you’re a buyer with options and room to negotiate things like repairs, closing costs, and price.

Whether you’re a first-time homebuyer or looking to upgrade, my goal at Universal Home Loans is to make sure you’re making a smart financial move, not just a desperate one. We focus on your long-term goals, not just a single transaction.

If you’ve been sitting on the sidelines waiting for the market to breathe, now might be your moment. Visit my site at https://www.ulhomeloans.com/lo/jsmith to see how the new inventory levels change your pre-approval options.

What’s the one thing you’d ask for in a negotiation now that you finally have the upper hand?

Address

5750 DTC Parkway
Greenwood Village, CO
80111

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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