We offer the mortgage loan products that buyers and homeowners want:
· Construction to permanent loans – Conventional, FHA, VA
· VA loans
· FHA loans
· USDA loans
· Down payment assistance
· Refinancing including VA, USDA, and FHA streamline refinances
· Portfolio loans for scenarios that just miss traditional guidelines
· Rehab loans
· Second homes
· Rental properties
· Bridge loans
· Home equity lines of credit
· Additional bank sources include reverse mortgages, commercial loans, and more
Whether a first time home buyer, military service member or Veteran looking for a VA loan, repeat buyer, Realtor, builder, homeowner, or investor - if you are looking for the best mortgage loan experience, you have come to the right place. Russell Smith has spent his 25-year mortgage career helping thousands of buyers, homeowners, and real estate professionals have a successful closing. In addition to his well-known high level of service, Russell provides a diverse home loan product mix to clients across the nation. We provide the perfect combination of experience, process, and product so that the highest level of success is achieved. Part of this process even includes an up-front underwriting approval to give buyers and their Realtor peace of mind when making an offer to purchase. Start your home loan approval online here.
“Everything in the mortgage process comes down to two common denominators – communication and execution. That’s where we excel in creating the best purchase, building, or refinance experience.” Russell Smith
I believe that understanding how to match the right home loan solution with each individual client’s goals and specific scenario is key to a successful mortgage loan closing - starting with the very first conversation. So, the client and I have a thorough discussion up-front to ensure the best chances of success. Throughout the home loan process, the communication and execution continue through closing and beyond. In addition, being available and providing education to my clients is a priority for me because informed clients make better decisions, close their loans on time, and feel good about those decisions. At the end of the day, my success is measured not in the loans that I close, but in the satisfaction of knowing my clients have achieved their personal home ownership and/or financial goals in the process.
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6303 Oleander Drive, B-103, Wilmington, NC 28405
Monday - Friday: 9am - 5pm
Saturday: By appointment