Where Our Clients Get The Attention They Deserve
We're proud to be a trusted partner for our clients in Orange County and beyond, and we're committed to making the mortgage lending process as seamless and transparent as possible. Contact us today to learn more about our services and how we may be able to help you achieve your dream of homeownership.
Our Approach
At The Smith Group, we understand that the mortgage lending process can be complex and overwhelming. That's why we work closely with each client to ensure that they understand their options, and feel confident and informed every step of the way.
Whether you're a first-time homebuyer or a seasoned homeowner, we're here to help you secure the best mortgage loan for your needs.
We truly appreciate your business and will be available throughout the process to make sure things go as smoothly as possible.
Cash Out
Refinance
You may be able to pay off those higher-interest debts if you qualify by refinancing to a lower rate. (Not all debt will be paid off as the loan will be a new debt.) Even with less-than-perfect credit, we may be able to help you lower your monthly payment and pay off your higher-interest debt.
Fixed Rate
Monthly principal and interest payments remain the same for the entire term of the loan. Which can protect you against rising interest rates. *Monthly mortgage payment may fluctuate due to escrows for taxes and insurance.
FHA
Insured by the Federal Housing Administration an FHA can have less strict credit requirements and qualifications making this loan a great option! *Borrower pays the premiums for that insurance.
Refinance
Mortgage refinancing may lower your monthly payments, which can add up to significant savings. Knowing your options is important, we can help!
VA
A VA loan in most states is a special mortgage program for eligible veterans and military personnel, offering benefits like no down payment, competitive interest rates, and no private mortgage insurance.
Jumbo
With a jumbo mortgage, you’ll get great rates for your big loan. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.
The Smith Group is not affiliated with or acting on behalf of the FHA or VA or the Federal Government.*
“Chris and his team were an absolute pleasure to work with. They made every step of the process so easy for us to understand. We will definitely be working with them in the future!”
— T. Hartman
-
Christopher Smith NMLS#898076
-
Stevie Arendsen NMLS#1642913
-
Noemi Falcon NMLS#1806513
