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Mortgage Professional

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family

Ginger Smith

Regional Manager

NMLS# 1195773

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6818 Plum Creek Drive
Amarillo, TX 79124
(817) 713-4650


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What Our Clients Say About Us!

I used Ginger to purchase my house back in 2014 and highly recommend her to all my clients based on my experience working with her.
Ginger and her assistant Rhonda is absolutely amazing. I will forever refer them! I love them and Providence!
Fantastic! Ginger made the experience so much easier than ever before! I've bought several homes and she's been one of the friendliest and truly cares about her client's sanity.
Ginger and her staff were incredible. They were dedicated, persevered and helped us walk this process through every step of the way. Rhonda was also superb and incredibly patient and thorough. Great team, great experience, GREAT results. Superstars!
Ginger and her assistant Rhonda helped me so much in getting us qualified for a new house loan. Best in the business hands down, they both deserve an A+. Thank you!

Get Answers to All your Mortgage Questions?

Committed to giving you all the support and guidance you need.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me

Ginger Smith

Regional Manager

NMLS# 1195773

Ginger Smith picture
Ginger Smith picture
Ginger Smith picture

Ginger Smith

Regional Manager

Providence Home Loans | NMLS: 1195773

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