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Helping Homeowners Succeed, One Home at a Time!

I am a firm believer that, "when you do good things, good things will follow you." I appreciate my good reputation and I am determined to uphold integrity with my responsibilities. I am always available and accessible for my clients. It is extremely important that each client is educated and assisted through the entire Home Mortgage process. I work to protect my clients interest and assets for years to come!

Helping Families Obtain Financial Freedom!

As a member of the Chamber of Commerce and BNI Organization, I take pride in helping Homeowners reach their unique goals.On average, I have helped many clients save $300 a month, on their monthly payment. As an affirmation of my commitment to public service, I present my knowledge whenever you need your questions answered. I am asking you to believe. Not just in my ability to deliver a great service, I'm asking you to believe in your ability to make an informed decision.

If you would like to stay informed about Today's Rates, simply click here. If you would like to have your questions answered online, simply click here. We provide a Quick and Easy online application process without your credit being pulled, until you give expressed authorization.

Call 1-845-290-3319 to get your questions answered the right way.


Great service and easy to contact
When my wife and I were searching for a home, we we declined a mortgage at out local Bank. We then found Lender411 and called Mel Smith after reading his blog. He picked up the phone on the first call and took our application. When he told us that we were approved, we were really excited and hopeful. The amazing part, is that we closing within 27 days without a lot of haggle. The nice part is that I once reach Mel Smith on a Saturday evening when we has a major question. He is really great to work with and I have since referred a family member. We saved a ton of money and had someone that was willing and able to help us.
By mortgageprogress@gmail.com on September 2, 2015
Great Loan Officer
This guy is a great person to work with for a mortgage. I went and met with him in person and we talked man to man regarding my mortgage needs. Others that I spoke to was not able to answer all my questions. He was very professional and really knows the mortgage business. I wanted to do a refinance. He was able to get me good rate and get me a loan approval. I rate him as #1 in the mortgage business and will recommend family and friends to contact him with their mortgage needs.
By dimple_219_725 on April 9, 2013
Awesome Loan Professional - Mel Smith
It has been a pleasure working with Mel Smith. He really helped me understand the mortgage process and save more money. He is the only Mortgage Professional that you can get on the phone 7 days of the week. I will certainly send him referral of my friends and family. I am so happy that we found him on Lender411.com. Thank you so much for being the best of the best....
By cfp101_815_178 on April 6, 2013
Mel Smith
My family and I was going to rent, but; once we spoke to Mr. Smith we found out we could buy a home. He was able to get us a good rate, low down payment, and assist with what documents were required. He has a lot of knowledge in the mortgage business. We are happy in our new home and we will recommend our friends who want a mortgage or refinance to contact Mr. Smith.
By jd_301_378 on April 6, 2013
chart_bar Mortgage Rates: 7 Result(s) Found
ProductFeesRateDisPntOrgPntLnAmtMinLnAmtMaxLockIntOnlyDate
3-1-arm $990.00 4.000 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
15-year-fixed $990.00 3.230 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
5-1-arm $990.00 3.700 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
30-year-fixed $990.00 3.900 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
20-year-fixed $990.00 3.750 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
30-year-fha $990.00 3.750 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
15-year-fha $990.00 2.750 0.000 0.000 $70,000 $2,000,000 30 No Jul 20
Click on the fees to see details
All too often, people will only focus on the reduced monthly payment when refinancing mortgages. Remember that every time someone refinances, he or she is taking on a new term. If you have only eight years left on your loan...
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Millions of homeowners have lost their homes due to foreclosure. However, the good news is there are things you can do to halt a foreclosure. The principal thing you should do if you are having difficulty making your mortgage...
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VA Mortgages also known as loans from the Department of Veterans Affairs are renowned for not requiring a down payment. Nevertheless, there are very good reasons to put money down on a VA loan. You'll pay a lower VA...
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An FHA streamline refinance gives you something you seldom get in the financial world--savings on money and time. However, only borrowers who meet certain circumstances can get a break when refinancing a home purchase loan...
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Are you eligible for the Refinance program?If you now have a HARP loan, you won't be eligible to refinance through these programs, because you've previously received federal mortgage relief. To be qualified, you need to also:...
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To establish 'how much house can I afford', the typical rule is that your monthly expenses should not surpass 36%. The 36% rule is based on dividing your monthly mortgage payments and other monthly debt payments by...
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A USDA home loan is a zero down payment mortgage for qualified rural and suburban homebuyers. USDA loans are distributed through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program,...
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Here are five ways to evade a costly post-closing catastrophe. 1. Carefully read the listing languageSome properties are listed for sale "as is," but you should simplify if that means the seller is absolutely indisposed to...
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