K-Pop saved the world. Can it save your mortgage?

Ask Mark. His voice is golden.

Long ago, mysterious forces decided that buying a home should be a soul-sucking process. But one day, a heroic team of lenders rose up, with voices so knowledgeable that they resonated with even the most terrified homebuyers. Led by Mark Smith, a skilled mortgage warrior brave enough to readily admit that K-Pop dominates his Spotify playlist, the Mark Smith Team can help anyone conquer their homebuying fears with mortgage options and advice as satisfying as Soda Pop.*

🙏 *Our deepest apologies to anyone who doesn’t have Netflix.

Store credit and other demons in disguise

The tempting offers of discounts if you get a store credit card are as attractive as dreamy eyes and sassy hairstyles. But don’t be seduced! Too many credit cards don’t look as cute on a credit report. Watch out for these other demons in disguise to avoid during the loan process:

Making another big purchase (the car can wait)
Charging up or paying off a credit card
Starting a home improvement project
Joining a new fitness club (find a YouTube workout if you have to)

And remember, get pre-qualified before you start looking. Hiding bad credit (or even half-bad credit) is as difficult as hiding your demonic patterns. Acknowledging your history is not as scary as you might think.**

🙏 **Again, we’re really sorry if you don’t have Netflix.

Takedown the down payment

Conquering the down payment can be a scary proposition. However, there are a number of strategies to slay that demon. Mark can talk to you about down payment assistance options as well as help you calculate the right amount to put down for your long term happiness.

Auto-refi: your high rate Honmoon

Even when your credit is very good to perfect, another foe may stand in your way: interest rates. They’re high, then a little bit lower, then flat, then an inch higher. When do you jump in and tackle that demon? It’s a decision that can be costly if you go in blind. Fortunately, Mark has a no-lender fee auto-refinance program. If you get your initial loan with the Mark Smith Team, Mark will keep an eye on the rate roller coaster and let you know when it’s a good time to refinance—and he’ll do it without a lender fee (as the name suggests). The protective layer allows you to conquer your financing fears and buy with confidence.