Richard Smith

Phone: 423-280-0345


NMLS #184479

TN #40161

GA #28928

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Home purchase.  Home refinance.  Home renovation.  Foreclosure purchase.

Thank you for visiting my website.  It is designed to provide you the tools needed to make the right decisions for your home purchase or your home refinance.

You may contact me at any time to discuss your home purchase questions.  I offer conventional, FHA, VA, and the USDA 100% loan programs.  Sierra Pacific is a direct FNMA  lender, which means fewer lender overlays.

For home improvements, we have the full and streamline FHA 203k renovation purchase and refinance programs.

For foreclosure purchases, we offer the $100 HUD REO (foreclosure program).  Properties approved with a repair escrow can also be financed with the $100 down payment option.  We  offer the FNMA HomePath program for FNMA foreclosures.

For properties that only need small repairs, we offer a repair escrow with most loan purchase programs.

We offer excellent terms for Jumbo purchases.

Call me at your convenience.

Richard Smith
423-280-0345
Richard.Smith@spm1.com
NMLS # 184479
TN # 104002 GA # 28928

Promises Made! Promises Kept!