Mortgage Banker

Tim Smith


Ask me about our 100% ZERO-DOWN purchase program!


Had a short sale in the past?  Call me to find out how to qualify...




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Quick Qualify

Exciting New Guidelines for Conventional Loans!


Recent changes to the guidelines for Conventional loan programs now allow buyers to use GIFT FUNDS for the entire 5% minimum down payment!  That's right, you may be able to purchase a home using Conventional financing without any funds of your own.  Why is this exciting?  The biggest reason is that private mortgage insurance premiums are generally less expensive on conventional loans than they are on FHA loans.




My Clients

The loan process was quick and easy.  We can’t say enough good things about Tim – he was great – from the initial contact to keeping us abreast of everything up to and after closing.


Larry and Cindy Benson



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