Shane Smith Home Lending

Shane Smith Home Lending Shane Smith | NMLS 235902
Senior Home Lending Advisor
JP Morgan Chase 🏦 As a U.S.

I’ve personally closed over a thousand home loans and helped guide thousands more through my team—each one handled with clear, honest communication and a commitment to putting the client first. Marine Corps veteran, I bring discipline, integrity, and straight talk to every transaction. This isn’t just about securing a loan—it’s about making one of the smartest financial decisions of your life. I a

lways encourage clients to research who they’re trusting with their largest monthly payment. When you work with me, you're partnering with a seasoned professional who puts your goals, timeline, and financial well-being above all else. I’m proud to represent Barrett Financial Group—one of the fastest-growing and highest-performing mortgage brokerages in the nation. Operating in 49 states and funding over $4 billion last year alone, Barrett provides unmatched access to 150+ top-tier lenders, ultra-competitive pricing, and a streamlined platform built for speed and precision. It’s the ideal foundation for delivering results that consistently exceed expectations.

01/29/2026

Florida homeowners are seeing a sharp jump in escrow payments, a often-overlooked housing cost. Between 2019 and 2025, the average escrow payment for Florida homeowners surged 70%.

New research shows rising escrow expenses are squeezing monthly budgets nationwide, with Florida hit especially hard, a shift that can hurt affordability and increase the risk of mortgage delinquencies.

📉🏠 **Market Volatility Alert!** 🏠📉Recent market turbulence has driven 30-year fixed mortgage rates to their lowest level...
08/05/2024

📉🏠 **Market Volatility Alert!** 🏠📉

Recent market turbulence has driven 30-year fixed mortgage rates to their lowest levels in over a year! 📉 This drop in rates is a double-edged sword for homebuyers. While borrowing becomes cheaper, the lower rates may lead to higher home prices due to increased demand. 📈

For those looking to buy, this is a unique opportunity to lock in a great rate, even as competition heats up. 🔑🏡 Don’t miss out—get pre-approved and start your home search today!

📉 Exciting news! Core CPI inflation has dropped, signaling a potential shift in the economic landscape. This trend will ...
07/11/2024

📉 Exciting news! Core CPI inflation has dropped, signaling a potential shift in the economic landscape. This trend will lead to lower interest rates, making borrowing cheaper and stimulating growth. Keep an eye on how this impacts your finances! 💸

🇺🇸 On this Veterans Day, I salute my fellow Marines and all veterans who've stood strong for our nation. Tomorrow, as we...
11/10/2023

🇺🇸 On this Veterans Day, I salute my fellow Marines and all veterans who've stood strong for our nation. Tomorrow, as we celebrate the 246th birthday of the Marine Corps, let's reflect on the bonds forged and the legacy we carry. Thank you for your service and sacrifice. Semper Fi! 🎉🎂

📣 Important Announcement! 🏠Attention, valued clients who have completed a mortgage transaction with me and reside in the...
06/06/2023

📣 Important Announcement! 🏠

Attention, valued clients who have completed a mortgage transaction with me and reside in the beautiful state of Florida! 🌴

🔎 WATCH OUT for an upcoming escrow analysis from your mortgage servicer! 📈 It's crucial to stay informed about potential changes that might affect your payments.

⚠️ Be prepared for the possibility of a significant payment increase, potentially up to 40%! 😲 This increase is mainly due to the soaring costs of homeowners insurance in Florida. 🏡

💡 To avoid any surprises or financial strain, I highly recommend keeping a close eye on your escrow account and reviewing the upcoming analysis. Stay vigilant and proactive to ensure your financial planning remains on track.

📲 Feel free to reach out to me if you have any questions or need guidance regarding your mortgage or escrow account. I'm here to assist you every step of the way.

🙏 Thank you for entrusting me with your mortgage needs. Together, we'll navigate these changes and ensure your financial stability.

📍 Remember, knowledge is power, and being informed can make a significant difference!

📢 Exciting news! 🎉 The latest CPI report just dropped, and it reveals some encouraging trends in the world of shelter in...
05/10/2023

📢 Exciting news! 🎉 The latest CPI report just dropped, and it reveals some encouraging trends in the world of shelter inflation. 🏠💰

📉 Shelter inflation, a key indicator of housing costs, has come down significantly according to the report. This is fantastic news for all of us keeping an eye on our budget and striving for financial stability. 💪✨

🏠 For many individuals and families, housing costs make up a substantial portion of monthly expenses. So, any positive shift in shelter inflation is definitely something to celebrate! It means that the burden on our wallets when it comes to housing is gradually easing up, allowing us to allocate our resources towards other important aspects of our lives. 🌟💸

📊 This latest CPI report shows that the efforts to stabilize and balance the housing market are yielding results. It's a testament to the hard work of various stakeholders involved and the resilience of our economy. 🌍💼

🔍 As always, it's important to dive deeper into the numbers and understand how these changes impact our individual circumstances. While overall shelter inflation is down, it's essential to consider specific regional variations and personal factors when analyzing its direct effects. Consult with financial advisors or experts to get a comprehensive view tailored to your situation. 💼💡

💡 Let's use this positive momentum as a reminder to stay informed and take control of our financial well-being. We can make the most of these favorable trends by exploring opportunities, investing wisely, and ensuring our future financial security. 💰🚀

🌟 Share your thoughts on this exciting development! How do you plan to leverage the decreasing shelter inflation to improve your financial situation? Let's discuss and inspire each other in the comments below! 👇💬

Attention all homebuyers looking to finance a non-warrantable condo! Have you been struggling to find a mortgage option ...
05/05/2023

Attention all homebuyers looking to finance a non-warrantable condo! Have you been struggling to find a mortgage option that fits your unique situation? Look no further than non-QM mortgages. These loans are specifically designed for those seeking financing for non-warrantable condos and other non-traditional properties. With more flexibility in underwriting, non-QM mortgages can help you secure the funding you need to make your dream of homeownership a reality. Contact me today to learn more about non-QM mortgages and how they can work for you!

Attention all homebuyers! 🏠 If you're planning to purchase a new home in 2023, you need to know about the mortgage Loan-...
05/05/2023

Attention all homebuyers! 🏠 If you're planning to purchase a new home in 2023, you need to know about the mortgage Loan-Level Price Adjustment (LLPA) changes that are coming your way. 📈

Starting in 2023, mortgage LLPA adjustments are going to be changing, which means that you could be paying more or less depending on your specific situation. These changes are designed to make the mortgage process fairer and more transparent for everyone.

So if you're in the market for a new home, make sure you do your research and understand how these LLPA changes could affect you. Send me a DM and ask about how these changes might impact your mortgage rates and fees.

Remember, buying a home is a big decision, and you want to make sure you're fully informed before you sign on the dotted line. Stay tuned for more updates and information about these upcoming changes!

04/12/2023

#1% DOWN! Have any buyers who haven’t saved enough 💰down? Here’s their chance! Share my QR code with them and have them reach out.

Address

101 W Broadway Ste 100
San Diego, CA
92101

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 2pm

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