Hello, I’m Rick Smith. Sure, I have almost 20 years in the mortgage industry. Yes, I have cutting edge technology to help simplify the process. Whether you are a buying your first home, your dream home where you plan on spending the rest of your life, or refinancing the home you currently live in… what really matters to you is that I will find out what is most important to YOU. I will then work tirelessly to take care of any hiccups, that sometimes arise in the process of a transaction, and peacefully get you to closing. Please do not settle for high rates/fees from a mortgage salesperson. Let me show you how a true consultant leads you through the loan process, makes it simple, gives you great value, and reaches the destination that YOU want. I look forward to hearing from you!