Welcome to Smith Broady & Associates
At Smith Broady & Associates we keep the mortgage loan process simple so you can focus on more important issues in your life. Our experienced Loan Officers will personally guide you through our five step process.
Step One – Loan Prequalification
Step Two – Mortgage Loan Application
Step Three – Mortgage Underwriting
Step Four – Final Conditions
Step Five – Closing
With a Mortgage Loan, Communication is Key
Every step of the way your Smith Broady & Associates Loan Officer will keep you informed of their progress toward the Closing date. With the large inventory of affordable homes on the market this is a wonderful time for first time homebuyers to purchase a home.
At Smith Broady & Associates we look forward to earning your business and becoming your preferred mortgage company for all of your homes purchases, from starter homes to dream homes Smith Broady & Associates is there for you.
Loans We Offer!
USDA – Rural Housing
•100% Financing Available
•Credit score of 620 or above required
•Offered by the US. Dept. of Agriculture Rural Development...
Federal Housing Administration (FHA)
•You may borrow up to 85% of the value of your home when you refinance to get cash out of your home or pay off debt.
•You can borrower up to...
Veteran’s Administration (VA)
•In most cases a VA Home Loan requires no down payment.
•No mortgage insurance premiums.
•No pre-payment penalties.
•Streamline...
Conventional
•Typically this type of loan is for customers who have 20% down payment who wish not to have PMI.
•These loans also consist of 10% down to 5%...