Derek Smart NMLS 1698613 Loan Officer with Luneta Home Loans NMLS 2027806

Derek Smart NMLS 1698613 Loan Officer with Luneta Home Loans NMLS 2027806 Local lender/ real estate investor. I help find solutions to how to help you get the right financing for your next purchase or refinance.

07/31/2023

Most frequent question I get. What will interest rates be in 12 months? My answer is...it depends :) send me a message lets chat about your situation to see how we can help. 🙋‍♂️

02/16/2023

I just saved a new homeowner $4,000 in closing costs and got them an initial interest rate in the low 3's
✅ - As a mortgage broker I shop for the lowest rates for you
✅ - Look for unique programs like a temporary rate buy down to get your initial payments for up to the first 3 years lowered.
✅ - You get the benefits of owning your home now and refinancing when rates come down again

*restrictions and qualifications apply reach out for more info

Give me a call and let's see what your options are to start OWNING now.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

02/02/2023

Stop waiting to own a home once you have saved a down payment. How to buy your next home with $0 of your own money.

✅ Credit Score over 620
✅ Consistent Job for the past 12-24 months
✅ You earn enough to cover your current monthly obligations plus your new home.
*restrictions and qualifications apply reach out for more info

Give me a call and let's see what your options are to start OWNING now.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

01/19/2023

60 points in 60 days. How a client raised his credit score. He went from not qualifying to now shopping for homes and is now pre approved.

✅ Pay down debt on credit cards
✅ Paid a collection off
✅ and more...

Reach out to me I can look at your situation and give you suggestions to help raise your credit score to allow you to make this the year you own your home.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

01/19/2023

Stop throwing away your rent money and invest in your home. This is the year of opportunity.

✅ Control your largest monthly expense RENT
✅ Privacy - you won't have the property manager always coming to do inspections
✅ Invest in an asset your home that can build equity long term and provide a safe place for you

Give me a call and let's see what your options are to start OWNING now.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

01/11/2023

What options do you have to cover the down payment when purchasing your home. For first time home buyers that can be between 3% to 5%.

✅ Your own money you have saved up
✅Down payment assistant grants (not available in all areas let's chat to see if this is available for where you want to own)
✅ Gift from a family member
✅ A second loan from another lender in my network. (yes you can get two loans to help you purchase a home pending we meet their criteria

Give me a call and let's see how these what down payment options you have.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

01/04/2023

Top 3 things you need to know when getting a home loan.

✅ How's your credit score?
✅ What type of income do you receive? (Hourly, Salary, Self Employed)
✅ Where will your down payment come from?

Give me a call and let's see how these 3 add up for you to see your options.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

12/21/2022

How to raise your credit score in the next 90 days:
💡 Do a credit check now to see where you're at right now
💡 Pay down any balances on credit cards that are almost maxed out
💡 Ask your credit card companies to increase your credit limits
💡Become an authorized user on someone else's credit card

Reach out to get a free credit check to see where you're at today.

Derek Smart 801-669-1914
NMLS 1698613 & NMLS 2027806 Luneta Home Loans

I was at a Real Estate workshop this week learning the following:1. How does this help you hit your short term goals?2. ...
11/02/2018

I was at a Real Estate workshop this week learning the following:

1. How does this help you hit your short term goals?

2. How does this help you hit your long term goals?

3. Does this help me accomplish both my short and long term goals?

With the extra hour we get this weekend invest a few minutes to write out what your short term and long term goals are.

Address

9557 S 700 E #200
Sandy, UT
84070

Telephone

+18016691914

Website

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