Jon Smith-Guaranteed Rate Affinity NMLS #196479 GRA NMLS ID 1598647

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Jon Smith-Guaranteed Rate Affinity NMLS #196479 GRA NMLS ID 1598647

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I love my job, and I love to put loans together to get people into their homes or into new loans.

11/02/2026

Who said mortgage prep has to start with a full application? It can start with one simple folder.

Create a place for financial information you may need later, then organize it one category at a time. This way, you’ll have everything you need when it comes time to kick off your loan application and your journey home.

Remember, what’s actually required may vary, so connect with me and I can provide you with a personalized list. For now, start with one category at a time and keep on going.
https://myoc.io/JonsMortgageSite/pO1AW

NMLS # 196479

10/30/2026

Today’s NAR report revealed that home prices rose in 78% of the nation’s metro markets in the third quarter, with the average home price sitting around $432,900. The Northeast (4%) and Midwest (3.6%) regions led the nation in price appreciation. There are still opportunities out there for savvy buyers though, with home prices declining in 21% of markets in Q3.

Let’s discuss how you can make the most of today’s housing market.
https://myoc.io/JonsMortgageSite/sDdC7

NMLS # 196479

10/29/2026

The Fed held interest rates steady citing a growing economy and sticky inflation and mortgage rates are expected to stay about where they are as well. A more stable environment makes planning your next home financing move easier. You can focus on your timing and budget instead of trying to anticipate what the future may hold.

Need someone to bounce ideas off? Let’s talk about what's next for your homeownership plan.
https://myoc.io/JonsMortgageSite/hafTh

NMLS # 196479

10/27/2026

Which home did you get? While the results may be surprising, hopefully this fall-themed game got you thinking outside of the box.

The key takeaway? There’s more on the market than traditional single-family homes, and many alternative home types bring unique benefits. I can help you explore different financing options to see what’s possible.

Keep the fun going, drop your emoji in the comments and tag a friend!
https://myoc.io/JonsMortgageSite/RcHCm

NMLS # 196479

10/26/2026

Running multiple businesses, or juggling income that shifts by the month or the client? Standard income documentation doesn't always fit that. For eligible business owners, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk about your situation.
https://myoc.io/JonsMortgageSite

NMLS # 196479

10/22/2026

When buying a home, knowledge is power. If you know the numbers, you can set yourself up for success from day one. That’s where a pre-approval comes in, giving you the direction you need to house-hunt with confidence.

I’m here to help you explore your options whenever you’re ready to take the first steps toward homeownership.
https://myoc.io/JonsMortgageSite/rQXKi

NMLS # 196479

10/20/2026

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As rising rates keep some buyers waiting, prepared buyers may find more options and less competition. Want to know how to make the most of this market?
https://myoc.io/JonsMortgageSite/pmZ9J

NMLS # 196479

10/19/2026

If your house goes bump in the night, don’t worry. It might just be doing its job. While these sounds are usually perfectly normal, the best way to be sure is by being proactive about routine maintenance.

Check our guide to help you get your home ready for fall … and the trick-or-treaters.
https://myoc.io/JonsMortgageSite/NXDSb

NMLS # 196479

10/15/2026

Beware of the maxed-out credit card monster. High credit card balances could increase your credit utilization, which may affect your credit score, and ultimately, your mortgage qualification.

When you’re approaching closing, watch your spending and avoid giving this homebuying horror anything else to feed on.
https://myoc.io/JonsMortgageSite/kQ8do

NMLS # 196479

10/14/2026

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest and declined in the Northeast compared to August. All four regions showed a year-over-year decline in sales, but many buyers are still entering contracts and available inventory is up to 1.60 million homes.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/JonsMortgageSite/d2iRn

NMLS # 196479

Address

5965 Red Bug Lake Road, Unit 101
Winter Springs, FL
32708

Website

http://www.grarate.com/JonSmith

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