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

Finance Friday.With macro trends shifting, your rate lock decision this weekend matters more than you think.Checklist mo...
06/05/2026

Finance Friday.

With macro trends shifting, your rate lock decision this weekend matters more than you think.

Checklist move: Decide your float vs lock plan before writing an offer.

Float with clear triggers. Lock when the data says protect.

What’s one item on your home buying checklist right now?

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

Here's the contrarian take most loan officers miss:Telling clients to 'wait for better rates' often costs them more in t...
06/04/2026

Here's the contrarian take most loan officers miss:

Telling clients to 'wait for better rates' often costs them more in the long run.

When macro policy restricts inventory, the real game is securing your position now, not chasing a perfect number later.

What's the biggest myth you've heard in this market?

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

Had a self-employed buyer whose file looked messy on paper—recent business changes had every bank walking away.We refram...
06/03/2026

Had a self-employed buyer whose file looked messy on paper—recent business changes had every bank walking away.

We reframed it, got it closed.

When macro conditions create tighter boxes, real strategy still opens doors.

Seen any “impossible” scenarios turn around lately?

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

Tip Tuesday:Forget chasing a perfect 780. In today’s market, your debt-to-income ratio is doing more heavy lifting on ap...
06/02/2026

Tip Tuesday:

Forget chasing a perfect 780. In today’s market, your debt-to-income ratio is doing more heavy lifting on approval strength and pricing.

Target under 36%. Pay down those credit cards first.

It connects straight to how much house the market will actually let you afford.

Who’s run their numbers lately?

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

Market Monday insight:While headline economic data looks mixed, the bond market is telling us inflation isn't cooling as...
06/01/2026

Market Monday insight:

While headline economic data looks mixed, the bond market is telling us inflation isn't cooling as fast as hoped.

That directly keeps pressure on mortgage rates and buying power.

Buyers — are you watching the bond market or just the Fed headlines?

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

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

Address

3190 Shelby Street, Building A2
Ontario, CA
91764

Telephone

+18776690777

Website

,

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