I am a Sr. Loan Officer with Cornerstone Home Loans. I handle all residential loan applications from start to close and have specialized in Realtor, Client and Builder Relations
Get to know Michele Smith
I have been in the mortgage industry in South Florida for 30 years. I believe in the team approach and support my Agents and Clients in the process 100% from beginning to end. I think that what my Clients appreciate most is my knowledge of guidelines in all loan types, especially FHA and VA. I work for a Mortgage Bank that completely gets it right! I have never missed a closing date, still utilize our own Appraisers and all processing and underwriting is done in house. I have had invaluable relationships with my staff team for years and my Assistant goes beyond her job description daily to ensure my clients get the back up TLC they need to get you the future referrals you need to ensure your success. We pride ourselves in flawless transactions, bottom of the market rates and closing costs.
I send informative emails regularly to my Real Estate Professionals that explain exactly what they need to know to be current and successful in a very concise manner that has very little to do with self promotion. If you would like for me to include you in my database, please feel free to contact me. I would love the opportunity to help you grow your business by getting more referrals.
I am a guideline guru. I study guidelines daily because I know that if there has been a change, this may effect how or if a Buyer can get a loan approval. I have not had a loan denial in 16 years on a loan purchase so I know my Buyers and Agents depend on me knowing what I need to do to ensure a successful closing. I am very proficient in FHA, VA, Conventional Fixed and ARM products as well as Jumbo loans. The one certain thing in the banking industry in the past 3 years is CHANGE! I will keep you up to date with the change that comes our way and educate you on what effect it will have on your business!