Ian Smith

I am extremely humbled this week having the opportunity to close on both of these amazing people. Angela had been renting her home for years and finally took the steps to make it her own and invest in her future, and Elford is a true businessman who's laying down his roots for his Real Estate Empire. Jamel thank you once again brother for the opportunity to work with you, doing the thing I love the most about my job; changing people's lives... A strong shoutout to Josh Wirth with Community Title Network for facilitating both of these closings and wrapping up the process efficiently and expertly For anyone out there sitting on the fence, unsure if you should take the plunge into homeownership...there's no better time than the present. #IANSMITHMORTGAGE #bringyouhome #homebuyers #mocorealestate #marylandrealestate #afn #americanfinancialnetwork #mortgage #mortgagelender #mortgagelending #lender #lending #loanofficer #loanorginator #realtor #realtors #realestate #realestateagents #realestategoals #2020goals #trulia #redfin #zillow

The initial loan officer was very organized and informative.

If you've been living under a rock, let me enlighten you... INTEREST RATES ARE THE LOWEST THEY HAVE EVER BEEN I've had plenty of clients, who this same time last year, couldn't buy a home, and are now homeowners! ... Don't believe me? Just look at the math: Joanna makes $45,000/year, which comes to $3,750/month She has a car payment for $350/month She has student loans totaling $400/month She has a credit cards totaling $150/month in min payments She's been looking to buy a $200,000 house, which this time last year with FHA financing, the interest rate being offered would have been about 4%, yielding a monthly payment of almost $1300/month Her qualifying back end debt ratio: ( (350+400+150) +1300) / 3750 = 58.667% (DENIED) Fast-forward to today, with a VERY aggressive market, we were able to offer her 2.5%, yielding a monthly payment of $1135/month Her new qualifying back end debt ratio: ( (350+400+150) + 1135) / 3750 = 54.266% (APPROVED) So if you've been denied in the past, especially in 2019, NOW is the time to come on back and give it another try ---------- Disclaimer: This advertisement is not a guarantee to lend. In order to lend, an application must be reviewed in it's entirety before any assurance of financing can be offered. Interest rates and financing options are subject to change, and are based on credit and income valuation per individual. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the Finance Lenders Law License (6038771) and holds a California Department. of Real Estate, Real Estate Broker's License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Lender is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org and input NMLS # 237341 to see where AFN is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Dr., Ste. 330, Brea, CA 92821; Phone: (888) 636-7573. American Financial Network, Inc. is an Equal Housing Lender.

During a very busy time in the industry, Ian worked closely with my realtor and provided timely responses. He was very professional and got me the best rate possible.

Ian did an amazing job of communicating with us throughout the entire loan process and keeping us informed every step of the way.