Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Terri Smith Let me help you through the process

Terri Smith Headshot

Phone: (410) 403-0835

Cell: (904) 676-3784

Email: tsmith@polarishomeloansllc.com

NMLS: 2167844  View Licensed States 

Hi, I'm Terri Smith, a licensed loan officer with the Jacksonville, FL Center of Polaris Home Loans, LLC.

This is my personal Loan Landing Page, where you can find out a little bit more about me and how I can help you with any home loan needs.

If you choose to work with me, you'll get industry knowledge and compassionate support. I consider it a privilege when given the opportunity to help someone known through the mortgage process. I jump at the chance to help new clients navigate the ever-changing home loan industry. The variety of products available and the creative solutions that are possible have allowed us to help so many of my clients reach their financial ambitions. Together we can work to establish a pathway to achieving your goals of homeownership. I look forward to learning more about you and how I can be of service. Reach out today and let's get the process started!

Book an appointment below, or feel free to give me a call or shoot me an email now to get the ball rolling!

A little about me to help you get a sense of who I am.  I was born and raised in Springfield, IL, and studied business in Chicago. I now reside in Jacksonville, FL with my 2 children Octavian and Olivia.

When I am not busy saving people money on their mortgages, I like to spend time in the outdoors, reading, or making memories with my family.

One thing I appreciate about my role as a loan officer is meeting new people, getting to learn their story and their future needs, and then having the pleasure of joining them on their journey to success. It means a lot to me to be able to make a positive impact with my clients. Reach out and let's start the conversation today about how you can set yourself up for success through a thoughtful and strategic mortgage solution.

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
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