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  • 122 W High Street Woodstock, VA 22664 Mobile (304) 283-8337 David.Smith3@ccm.com

Your Local CrossCountry Mortgage Loan Officer

David W. Smith

  • Senior Loan Officer
  • Woodstock, VA Mortgage Loan Officer
  • NMLS #188852
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I’ll be with you every step of the way

Hello! My name is David. Having been born and raised in the Eastern Panhandle of West Virginia, I have personally witnessed the growth of our local community. With over 25 years of financial background experience, I’m invested in helping buyers achieve the goal of homeownership. 

Whether you’re a first-time homebuyer or a long-time homeowner, I’m committed to making your home financing as smooth and seamless as possible. I’ll strive to keep you informed throughout the process, answering your questions and providing loan status updates along the way. My #1 goal is to have 100% satisfaction and to achieve results – on time, as promised. 

When it comes to your home financing, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your plans. Start your journey with America’s #1 Retail Mortgage Lender.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • 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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