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Hit enter to search or ESC to closeMenu Purchase Apply Online Request Quote Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional Mortgage FHA Mortgage VA Mortgage USDA Mortgage Jumbo Mortgage Renovation Mortgage Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Refinance Analysis Blog Refinance About Contact Request Quote Apply Now phone email Your home loan made easy! Apply Now Request Quote Your hometown mortgage experts! Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money. First-Time Home Buyers Buying your first home? We offer the guidance you need to get started. Mortgage Walkthrough Guide Get educated! Learn exactly what occurs in every step throughout the mortgage process. Mortgage Calculator How much can you afford? What does that monthly payment look like? Find out here. Home Loan Options We’re here to help you figure out which mortgage best fits your unique financial picture. Get started by using one of our FREE tools! Today’s Mortgage Rates Purchase Pre-Approval Refinance Analysis Today’s Mortgage Rates Purchase Pre-Approval Refinance Analysis Brandon Smith Loan Officer // NMLS #1978212 AZ LO 1020496 FL LO 92281 Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know. brandon@fmshome.com (505) 363-1580 Ext. 718 Apply Now Google Facebook Why work with us? We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you. The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service. Request Quote How the process works 1 Documentation There are a few critical documents we will need to verify to start your process. 2 Appraisal The appraisal insures the home you are buying is worth the price that is being offered. 3 Initial Underwriting The Underwriter will verify that all information is accurate and authentic. 4 Conditional Approval Conditional Approval is granted when the Underwriter approves the loan under certain conditions. 5 Clear To Close The Underwriter verifies that all documentation has been provided and all conditions have been met. 6 Closing Signing the final documentation and receiving the keys to your new home! Request Quote Recent Posts Home Buying Tips To Avoid Paying PMI Read Article Home Buying Tips for Buying a Rental Property Read Article Home Buying Realtors vs Loan Officers Read Article Home Buying Buying in Hot Real Estate Markets? Learn A Few Tips Read Article Home Buying Home Life Paying Your Mortgage with Tax Refunds? Read Article Home Life Paying a Mortgage Early: Right or Wrong Move Read Article View All Posts Ready to get started? Apply now or request a quote today! Apply Now Request Quote Disclaimer All information is deemed reliable but not guaranteed. Neither mortgage company or website company shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Privacy Policy Consumer Grievance Policy www.nmlsconsumeraccess.org Click Here for the accessibility menu Mortgage Process Documentation Stage Appraisal Stage Underwriting Stage Conditional Approval Stage Clear To Close Stage Closing Stage Loan Programs Conventional FHA VA USDA Jumbo Rehab Contact Financial Mortgage Solutions NMLS #195794 brandon@fmshome.com (505) 363-1580 Ext. 718 5300 Sequoia Rd. NW Suite 204 Albuquerque, NM 87114 © 2024 Brandon Smith Mortgage Team | FMS Financial. Website Managed by LoanSitesPurchase Apply Online Request Quote Mortgage Process Documentation Appraisal Underwriting Conditional Approval Clear To Close Closing Loan Programs Conventional Mortgage FHA Mortgage VA Mortgage USDA Mortgage Jumbo Mortgage Renovation Mortgage Tools Mortgage Calculator Download Mortgage Guide Mortgage Glossary of Terms Understanding Your Credit Refinance Analysis Blog Refinance About Contact Request Quote Apply Now phone...