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12639 W Explorer Drive, Suite 185 Boise, ID 83713 Mobile (208) 406-2451 Tel (208) 563-5588 [email protected]
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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 8:00AM – 5:00PM
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- Investment Property
- Non-QM Loans
- Purchase
- Refinance
- Renovation Loan
Noel Smith
My team and I will help you win your bid
Hi, my name is Noel Smith, and my passion is helping people build wealth through real estate. I believe buying a home shouldn’t be a stressful journey but rather one filled with excitement and the promise of a new beginning.
As a dedicated loan officer at our Meridian, ID branch of America’s #1 Retail Mortgage Lender, my team and I are here to make your mortgage process simple and enjoyable. Whether you’re a first-time homebuyer, considering a move, or looking to refinance, we’ll guide you every step of the way. We believe in clear communication, caring about the big picture, and setting you up for financial and personal success.
Work with us to make your homeownership dreams come true! Let’s create a mortgage plan tailored to your unique financial goals, helping you achieve wealth in a simple and smart way.
Noel’s testimonials
Guides and resources
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.