Jason R Smith Loan Officer

Here's what most loan officers get wrong: telling clients to sit on the sidelines until rates 'improve.'

The macro picture doesn't support clean, dramatic drops. Waiting usually costs buyers purchasing power, rate locks, and time in the market.

What's one piece of advice you've received lately that didn't sit right with you?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Tip Tuesday: Credit 680 or higher?

Consider conventional over FHA. You'll likely pay less in mortgage insurance over time and build equity faster.

With macro rates where they are, the right loan type matters more than ever.

Have you compared both options on your last purchase?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972