About Rick Smith Loans
Premier Home Loans, operating under the website loansmith.net, serves as a dedicated direct lender specializing in residential mortgage solutions. With a focus on personalized service, their team, including Senior Mortgage Advisor Rick Smith, boasts over 20 years of industry experience, aiming to guide clients through the complexities of home financing.
The lender distinguishes itself through a highly consultative approach, prioritizing an in-depth understanding of each borrower's financial landscape and long-term goals. Rick Smith, a prominent advisor, emphasizes transparent advice, even recommending against refinancing if it doesn't align with a client's best interests. This commitment extends to providing precise formulas for underwriting approval, simplifying the path to homeownership.
Headquartered in Lone Tree, Colorado, Premier Home Loans is licensed to operate across multiple states including CO, NE, TX, FL, WY, CA, and NM. They offer a comprehensive suite of loan products, from conventional fixed and adjustable-rate mortgages to government-backed options like FHA, VA, and USDA loans, as well as specialized programs like FHA 203k and Jumbo loans. Their digital capabilities include online applications, rate calculators, and pre-qualification tools, enhancing accessibility for prospective homeowners.
The lender distinguishes itself through a highly consultative approach, prioritizing an in-depth understanding of each borrower's financial landscape and long-term goals. Rick Smith, a prominent advisor, emphasizes transparent advice, even recommending against refinancing if it doesn't align with a client's best interests. This commitment extends to providing precise formulas for underwriting approval, simplifying the path to homeownership.
Headquartered in Lone Tree, Colorado, Premier Home Loans is licensed to operate across multiple states including CO, NE, TX, FL, WY, CA, and NM. They offer a comprehensive suite of loan products, from conventional fixed and adjustable-rate mortgages to government-backed options like FHA, VA, and USDA loans, as well as specialized programs like FHA 203k and Jumbo loans. Their digital capabilities include online applications, rate calculators, and pre-qualification tools, enhancing accessibility for prospective homeowners.
Company Information
Lender Type: Direct Lender
Headquarters: Lone Tree, CO
Licensed In
CONETXFLWYCANM
Digital Capabilities
Online Application
Rate Calculator
Pre-Qualification Tool
Home Loan Products
30 Year Fixed Mortgage
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
30 years
15 Year Fixed Mortgage
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years
Adjustable Rate Mortgage (ARM)
Loan Types:
Conventional
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
FHA Loans
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
VA Loans
Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramNo PMI ProgramLow Down Payment Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
Jumbo Loans
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)
FHA 203k Renovation Loans
Loan Types:
FHAConstruction
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
FHA 203kRenovation Loan
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
USDA Loans
Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Good (680-739)Excellent (740+)
Reverse Mortgage
Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Contact Information
2139 Chuckwagon Rd Ste 25
Colorado Springs, CO 80919
US
Mailing Address:
8600 Park Meadows Drive Suite 250 Lone Tree, CO 80124
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Business Information
Category: Mortgage Lender
Location: Colorado Springs, CO
Status: Standard
Type: Direct Lender
NMLS ID: 1155143
Profile Views: 1
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