DennisCSmith.com: Mortgages for California

Welcome to my website!

Thank you for visiting DennisCSmith.com, I hope you spend some time and surf around the site.  I think you will find a lot of material intended to provide an education about the mortgage industry and process--whether you are purchasing a new home or refinancing an existing home. 

When you are done give me a call and we can discuss in more detail your situation, your goals and objectives and solutions to your homebuying or refinance needs. 

With twenty years experience in the industry I have a lot to share with you, most importantly excellent service and quality mortgage products at excellent rates.  Call to find out which are best for you.

My objective with this site is to provide you with information that will assist you in finding the mortgage that best fits your needs, as well the site is set up to allow you to easily complete a loan application by clicking the link at the top of any page.

Top pages on the site are:

LoanApplication is where I hope you visit! The site is very user friendly and in a matter of minutes you can complete a loan application and send it to me.  Once I receive it I will look it over and contact you with any questions I may have and mortgage options for you.

My Blog where I provide news that impacts the housing and mortgage industries, my opinions on the mortgage industry, tips on mortgages and every Friday post an email I send to real estate professionals commenting on the economy and interest rates for the week. This is a great education tool that is copied and linked to major newspaper and mortgage sites across the country and is essential for understanding the mortgage process and industry.

My Bio shows my experience and engagement in the industry and community.

Testimonials provide the opportunity for you to read what my clients have to say about my service.

Mortgage Calculators can give you information on payments, early mortgage payoffs, savings through mortgage refinance and mortgage qualification (though I find the calculator usually underqualifies).  Play around with them to get comfortable with different payments and numbers.  But contact me for your personal scenarios for the most accurate quotes and mortgage options.

On the right margin are interest rates, note those are national averages and Stratis Financial beats those rates daily. 

If you are looking for interest rates quotes like many mortgage sites provide, you will not find me quoting them on the website, to find out why check out what I need to know to provide you with an accurate quote at the Rate Quote Criteria page.  I believe in the changing market we are in borrowers are not best served by posting generic daily quotes.  While I do this every Friday, the quotes are meant to be used as a guide to trends in the rates and not necessarily the same for every borrower's situation--you may get a better rate! Call to find out!

Once again thank you for visiting DennisCSmith.com, if there is something you would like to see on the site please let me know.

In the meantime contact me about your mortgage situation so I can provide quality service and a great mortgage product for you and your family!



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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.99% 4.12%
15-yr Fixed 3.17% 3.34%
1-yr Adj 2.44% 3.03%
* national averages

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