Lee Alan Smith

Mortgage Loan Originator

Atlanta- Lenox Road

NMLS- 201335

States Licensed: Arizona, California, Florida, Georgia, Maryland, Texas

Hello! I have been in the mortgage industry for over 16 years helping my clients with their mortgage needs and goals. I am not just a Mortgage Loan Officer but a trusted friend and an experienced mortgage consultant. Helping my clients achieve their financial and mortgage goals is my passion! I have been in the mortgage industry long enough to see all the ups and downs. I have seen and done every type of loan possible. Whether you want to just get the lowest rate/payment on your mortgage or maybe you want to pay your home off in the least amount of time possible or maybe you need to access some of the equity in your home to consolidate some bills or to do some home improvements. Whatever your goals are I can help you accomplish them. I will never try to hard sell you. I don't believe in this approach. My goal is to build a lasting, trusting relationship with you so you will always have a trusted friend in the mortgage industry that you can turn to when you have questions. I not only want to earn your business but also your family, friends, co-workers and neighbors. I will do this with honesty, integrity, hard work, communication and 100% dedication to the highest standard of a customer experience and accomplishing all your goals. I understand that a refinance or purchase of a home is one of the most important financial decision you will make in your lifetime. Therefore, I will take a consultative approach to your loan. I will look at your complete financial picture, compare that to the goals you want to accomplish and present you with multiple options to help you get there. We will discuss these options in detail, and I will give you my expert, experienced advice regarding which option makes the most financial sense based on the goals you want to accomplish. What you will get is 16 years of experience doing thousands of refinances and new home purchases for clients just like yourself. I am a person of great integrity and values. This is how I was raised and what I believe in. I look forward to working with you!

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

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