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Ron Smith

Ron Smith

Loan Officer

3835 SW 21st Street, Suite 104, Redmond, OR 97756
Own what matters
Own what matters

About Me

Hi, I am Ron Smith, and I am a loan officer here in Central Oregon with Guild Mortgage.  I was attracted to Guild Mortgage because they have a long-standing reputation for providing world class service to their customers and they have many products and downpayment assistance programs to support my clientele. 

Throughout my 33-year career as mortgage professional and before that a real estate broker, I have had a passion for helping first-time buyers and veterans realize their dream of homeownership.  I enjoy sharing my experience and knowledge with customers as an instructor for the various non-profit housing centers throughout Oregon, teaching continuing education classes for real estate professionals. 

My experience has been developed over the years from being a loan officer, branch manager, processing, and underwriting manager.  I am a certified Homebuyer Education Instructor, Freddie Mac Home Smart Instructor and a Military and Veteran Housing Instructor.

One accomplishment in my career I am proud of is that I received an award from the Governor of Oregon for helping the most people to buy a home with the Oregon Bond First Time Buyer Program.

When I am not helping people buy homes, I like to spend time with my family, visiting breweries in other states and fly fishing.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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NMLS ID #482199
I am authorized to do business in the state of Oregon. OR ML-176;