Chris D Smithson
Chris Smithson

Have You Budgeted for Closing Costs?

December 9th, 2019 by Chris Smithson

Saving for a down payment is a key step in the home buying process, and it’s not the only piece you need to include in your budget. Another factor that’s important to plan for is the closing costs required to obtain a mortgage. What Are Closing Costs? According to Trulia, “When you close on a home, […]

Whats Up With Rick Moore Groups Free Real Estate Workshops

June 20th, 2019 by Chris Smithson

You might ask yourself why a Real Estate team would offer free workshops (no strings attached), along with a free drink, appetizers, one-on-one chats with lenders and agents for personalized, professional information in a casual, outdoor setting around a fire pit…and did I say totally free and no strings attached? So what’s the deal? Will […]

First Time Home Buyers Guide

October 2nd, 2018 by Chris Smithson

Buying a house for the first time is a big deal. Before making an offer on a home it’s important to thoroughly research the purchasing process and consider the many factors that go into it, like financial planning and hiring a real estate agent. You may feel stressed when you realize the amount of preparation […]

NOT Owning Your Home Can Cost You A Lot Of Money

April 12th, 2018 by Chris Smithson

Owning a home has great financial benefits, yet many continue to rent! Today, let’s look at the financial reasons why owning a home of your own has been a part of the American Dream for as long as America has existed.  recently reported that: “Buying remains the more attractive option in the long term […]

When To Lock In Mortgage Rates 4 Signs Its Time

April 4th, 2018 by Chris Smithson

One huge question among home buyers who need a loan is this: when to lock in mortgage rates. Some panicky sorts might presume they should lock one in ASAP (because have you seen how rates are rising?), while others argue that the waiting game could payoff (in case rates fall). Who’s right?  A rate lock is important because mortgage interest rates fluctuate in response […]

How To Spark A Bidding War

March 28th, 2018 by Chris Smithson

Spark A Bidding WarReady to make a move? Have a certain figure in mind that you need to sell for? Depending on your market, you might be able to get a little more than what you may be needing. Go over with your agent if setting a bidding war is smart for the sale of […]

Why You Should Still Talk to a Lender Even If You’re Not Ready to Buy a Home

November 12th, 2017 by Chris Smithson

If you’re a first-time home buyer, you might think you’re not ready to purchase a house. Perhaps you’re concerned about your job situation, your previous credit history, or your high monthly expenses. Whatever the circumstances, every borrower and financial situation is unique. Unless you’re a financial expert, it’s best not to self-diagnose your financial problems. […]

Questions to Ask When Considering Selling

October 10th, 2017 by Chris Smithson

These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, you may be ready to move.   Have you built substantial equity in your current home? Check your annual mortgage statement or call your lender to […]

5 Vital Financial Steps Millennials Must Take

August 4th, 2017 by Chris Smithson

Millennials face a lot of financial challenges, from student debt to tough employment markets. But one member if that generation, Ashlee Veneman, a senior planning analyst at The Planning Center in Fresno, Calif., has some good answers for Generation Y: Article By Ashlee Veneman, a senior planning analyst at The Planning Center in Fresno, Calif I came […]

Everything You Need To Know About USDA Loans

July 6th, 2017 by Chris Smithson

What Is A USDA Loan? The USDA home loan program is one of the best-kept secrets in the home buying market today. This zero-down, 100% financing home loan is sponsored by the United States Department of Agriculture to promote home-ownership in less-dense communities across the U.S.   For this reason, it’s often known as the USDA Rural Development Loan […]

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Chris Smithson


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