Jason R Smith Loan Officer

Jason R Smith Loan Officer VP/COO
NMLS #169972
Licensed in CA, CO, OR, GA, NC, OH and MD
Apply 👇🏽

NMLS # 169972
To Apply Now Visit https://apply.statewidefundinginc.com/ #/loan-officers/jsmith@swbcorp

It’s Finance Friday.With macro signals shifting fast, the smartest move is knowing exactly when to lock versus float. Hi...
05/29/2026

It’s Finance Friday.

With macro signals shifting fast, the smartest move is knowing exactly when to lock versus float. Hit your number? Lock it. Still room to improve and you have a backup plan? Then float.

What’s the first item on your home buying checklist this weekend?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Here's what most loan officers get wrong: telling clients to sit on the sidelines until rates 'improve.'The macro pictur...
05/28/2026

Here's what most loan officers get wrong: telling clients to sit on the sidelines until rates 'improve.'

The macro picture doesn't support clean, dramatic drops. Waiting usually costs buyers purchasing power, rate locks, and time in the market.

What's one piece of advice you've received lately that didn't sit right with you?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Win Wednesday.Client came in with a messy debt picture and a closing date that looked doomed.We aligned the macro enviro...
05/27/2026

Win Wednesday.

Client came in with a messy debt picture and a closing date that looked doomed.

We aligned the macro environment with lender boxes and got it done.

Structure and timing still win.

Who else has seen a “no” turn into a yes lately?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Tip Tuesday: Credit 680 or higher?Consider conventional over FHA. You'll likely pay less in mortgage insurance over time...
05/26/2026

Tip Tuesday: Credit 680 or higher?

Consider conventional over FHA. You'll likely pay less in mortgage insurance over time and build equity faster.

With macro rates where they are, the right loan type matters more than ever.

Have you compared both options on your last purchase?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Market Monday.While Treasury yields stayed range-bound, MBS held steady—creating a pocket of relative calm for mortgage ...
05/25/2026

Market Monday.

While Treasury yields stayed range-bound, MBS held steady—creating a pocket of relative calm for mortgage pricing.

For buyers, this isn't noise; it's a signal that waiting for dramatic improvement may cost you more in the long run.

Who's thinking about making a move before summer heats up?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

It’s Finance Friday.Use this weekend to get ahead: pull your credit, organize your docs, and run the numbers on your act...
05/22/2026

It’s Finance Friday.

Use this weekend to get ahead: pull your credit, organize your docs, and run the numbers on your actual debt-to-income.

Macro moves are accelerating—lock when the data says lock. Floating without a plan costs buyers when volatility hits.

What’s on your home buying checklist this weekend?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Here's what most loan officers get wrong: telling clients to simply wait for rates to drop.The macro picture — liquidity...
05/21/2026

Here's what most loan officers get wrong: telling clients to simply wait for rates to drop.

The macro picture — liquidity, policy lags, and tight supply — often makes 'waiting' the more expensive move.

Real impact? Buyers lose negotiating power and pay more over time.

What's your take — wait or act?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Win Wednesday.A buyer with layered income streams and an investment property purchase looked impossible under today’s ti...
05/20/2026

Win Wednesday.

A buyer with layered income streams and an investment property purchase looked impossible under today’s tighter guidelines.

We structured around the complexity and hit the tight closing date.

Macro caution is everywhere, but real outcomes still happen with the right approach.

Have you run into a lender who said “no way” lately?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Tip Tuesday.Forget chasing rates for a second. Your debt-to-income ratio is what actually determines how much house the ...
05/19/2026

Tip Tuesday.

Forget chasing rates for a second. Your debt-to-income ratio is what actually determines how much house the market will let you buy right now.

Lenders tightened overlays as macro uncertainty grew. A few hundred dollars in monthly payments can cost you tens of thousands in approval power.

What's one debt you're carrying that you could pay off this month?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Market Monday update:This morning's economic data came in hot, nudging bond yields and MBS higher.That directly keeps pr...
05/18/2026

Market Monday update:

This morning's economic data came in hot, nudging bond yields and MBS higher.

That directly keeps pressure on mortgage pricing in the near term.

Buyers, are you adjusting your timeline or still holding out?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

It's Finance Friday.Don't waste a weekend touring homes without a full pre-approval in hand. Watch the macro data this w...
05/15/2026

It's Finance Friday.

Don't waste a weekend touring homes without a full pre-approval in hand.

Watch the macro data this week—strong numbers often mean lock sooner, softer data may favor floating.

What’s one actionable item on your homebuying checklist right now?

Jason R Smith | Mortgage Strategist | Statewide Funding Inc. | NMLS #169972

Address

3190 Shelby Street, Building A2
Ontario, CA
91764

Telephone

+18776690777

Website

https://www.statewidefundinginc.com/team-member/jason-smith

Alerts

Be the first to know and let us send you an email when Jason R Smith Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Jason R Smith Loan Officer:

Shortcuts

Share

Category