Who I Am
I am a TN native (west TN), and a graduate of the University of TN in Knoxville (’94, BS- Finance). Moved to Nashville in ’96 and worked in banking and vehicle leasing until 2003 when I got into the mortgage business. I’ve seen the ups and downs of the industry and can honestly say that I’m more excited about what I do than ever. I married to my wonderful wife of 18 years, Julie, and have 2 fantastic children, Elena and Barrett. I enjoy spending time with my family, reading, and visiting new places.
Who I Help
I love helping Nashville area (Brentwood, Franklin, TN) residents finance their first home, their dream home, and any homes in between. I particularly enjoy working with first time homebuyers because it provides the opportunity to guide them through the very complex process of purchasing a home. We also help existing homeowners refinance their mortgage to lower their monthly payment, consolidate their debts, or even to get money for home improvements.
How I Help TN Homebuyers
When many others in the mortgage business commoditize the industry by simply quoting rates and fees, it is very rewarding to spend a little bit of extra time to educate my clients and help them find the best mortgage loan program for their needs. After all, the lowest rate loan is not necessarily the lowest cost loan.
In addition to educating buyers about the ins and outs of the mortgage loan process, I provide a very detailed Loan Comparison Worksheet, which considers multiple loan solutions. This helps clients better evaluate the short, medium, and long term consequences of each loan scenario, rather than simply focusing on monthly payment.
I also keep my finger on the pulse of the mortgage bond market as well as the broader economy, which is why I subscribe to a real-time data feed for mortgage backed securities (MBS). Knowing what’s going on in the U.S and world economies and how it affects hourly and daily movements of mortgage rates, helps me get my clients the best rate lock execution. This has helped me advise many clients to lock in right before rates shoot up, saving them thousands of dollars over the life of the loan. While no one has a crystal ball, you are taking a huge financial risk when you work with a loan officer who is not “dialed in” to the market or cannot explain what makes rates move up or down on a daily basis.
How I Help TN Refinance Customers
Refinance customers experience the same benefits as my home buying clients, but they also get the peace of mind knowing that I actively monitor the interest rate markets long after their transaction. If an opportunity arises where it might make sense to refinance, I will contact them to discuss where rates are, and how much they might be able to save.
If you have any questions, or would like to discuss your situation, please contact me by phone at (615) 261-1368 (office) or my cell (615) 525-8094. My email address is email@example.com.
Brian R. Smith
Sr. Home Loan Specialist
3310 West End Ave, Suite 500
Nashville, TN 37203
(615) 261-1368, Office
(615) 525-8094, Cell