Jason R Smith Loan Officer

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Jason R Smith Loan Officer VP/COO
NMLS #169972
Licensed in CA, CO, OR, GA, NC, OH and MD
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NMLS # 169972
To Apply Now Visit https://apply.statewidefundinginc.com/ #/loan-officers/jsmith@swbcorp

It’s Finance Friday.This weekend, review your home buying checklist and decide on rate lock timing.Macro trends are nois...
09/25/2026

It’s Finance Friday.

This weekend, review your home buying checklist and decide on rate lock timing.

Macro trends are noisy—locking removes guesswork if closing is near. Floating is only for those who can truly handle the downside.

What’s one item on your checklist right now?

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

Here's what most LOs get wrong on Think Thursday:They're fixated on rate cuts while missing how liquidity and credit sta...
09/24/2026

Here's what most LOs get wrong on Think Thursday:

They're fixated on rate cuts while missing how liquidity and credit standards quietly dictate what buyers can actually close.

The macro trends hitting real families aren't always the obvious ones.

What signal are you paying attention to right now?

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

Win Wednesday.A self-employed borrower with fresh LLC docs and layered finances hit every red flag.Most lenders walked a...
09/23/2026

Win Wednesday.

A self-employed borrower with fresh LLC docs and layered finances hit every red flag.

Most lenders walked away. We dug in, connected the macro trends to their specific situation, and closed the loan.

Real proof that structure beats headlines.

What financing obstacle are you facing?

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

Tip Tuesday.Don't chase a perfect 800 credit score if you're already at 740. The real gains flatten out there.Focus inst...
09/22/2026

Tip Tuesday.

Don't chase a perfect 800 credit score if you're already at 740. The real gains flatten out there.

Focus instead on lowering your DTI or building a stronger reserve position.

What's one number you're watching before you buy?

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

Market Monday.Strong economic data this morning lifted yields and put mild pressure on mortgage pricing.Buyers waiting o...
09/21/2026

Market Monday.

Strong economic data this morning lifted yields and put mild pressure on mortgage pricing.

Buyers waiting on the sidelines felt it today.

How are current conditions affecting your timeline?

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

It’s Finance Friday.Before the weekend kicks off, knock out one home buying checklist item and decide your lock/float st...
09/18/2026

It’s Finance Friday.

Before the weekend kicks off, knock out one home buying checklist item and decide your lock/float strategy.

With macro trends shifting fast, floating carries real risk—locking now can protect your purchase timeline.

What’s the first checklist item you’re tackling this weekend?

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

Quick thought: most loan officers are still obsessed with rate movements.They're missing the bigger shift in credit avai...
09/17/2026

Quick thought: most loan officers are still obsessed with rate movements.

They're missing the bigger shift in credit availability and how lenders are repricing risk amid macro changes.

This directly impacts what buyers can actually afford and close.

What macro factor do you think is most overlooked right now?

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

I think there may be something to that AI article...If he he does, it will not be the first time and I am sure it wont b...
09/17/2026

I think there may be something to that AI article...If he he does, it will not be the first time and I am sure it wont be the last.

It's like my dad used to say, "good work is hard to find"..

Alex Diaz Whitney Pope Smith

Client walked in with two job changes, elevated DTI, and a file most lenders rejected.We took the time to tell the real ...
09/16/2026

Client walked in with two job changes, elevated DTI, and a file most lenders rejected.

We took the time to tell the real story and closed it.

In a volatile rate environment, structure and persistence still win.

Seen any “impossible” scenarios turn around lately?

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

Tip Tuesday.With rates still elevated, your debt-to-income ratio has never mattered more.Aim for 36% or below. It gives ...
09/15/2026

Tip Tuesday.

With rates still elevated, your debt-to-income ratio has never mattered more.

Aim for 36% or below. It gives you better pricing and stronger offer strength.

Quickest fix: attack revolving debt first.

What’s one debt you’re planning to knock out before buying?

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

Address

3190 Shelby Street, Building A2
Ontario, CA
91764

Telephone

+18776690777

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