Noel Smith
Trusted Mortgage Strategist | Helping Families Build Wealth Through Real Estate
- Role
- Loan Officer at CrossCountry Mortgage, LLC
- Location
- Boise, ID, US
- LinkedIn followers
- 500 followers
About Noel Smith
Buying a home—or building a portfolio—is one of life’s biggest transitions and wealth-building opportunities.Most people only go through 6–10 mortgage transactions in a lifetime. Every decision matters. I help clients align their mortgage strategy with long- and short-term goals so they can build real estate wealth faster and more confidently. Who I Help:Homebuyers, homeowners, and real estate investors across Idaho, Oregon, and Washington. Whether you\'re buying your first home, refinancing, or building your investment portfolio, I’ll guide you toward smart mortgage solutions tailored to your needs. Niche Expertise – Non-QM Lending:I specialize in helping self-employed clients and real estate investors who don’t fit traditional lending guidelines.• Bank Statement Loans – For self-employed borrowers who need flexibility beyond W2 income documentation• DSCR Loans (Debt-Service Coverage Ratio) – For investors looking to qualify based on rental income, not personal income Why I Do This Work:I’m passionate about the entrepreneurial side of real estate and the impact a well-structured mortgage can have on a family’s future. Every day, I get to meet incredible people working to better their lives—and I’m grateful to be part of that journey. I’m also fortunate to do this while focusing on my own young family, supporting my driven wife, and staying healthy and active.When you focus on the right things, you really can do it all. NMLS Info:Personal NMLS: 156016Branch NMLS: 25•••68Company NMLS: 3029Equal Housing
Experience
Loan Officer
Aug 2024 — Present · Boise, ID, US
12639 W Explorer Dr Suites 175, 185, Boise, ID 83713
Education
Oregon State University
BS, Finance
1998 — 2001
University of Georgia - Terry College of Business
Finance, Macroeconomics
2000 — 2000
Skills
- Mortgage Banking
- Fha
- U.s. Fha Financing
- Residential Mortgages
- U.s. Va Loans
- U.s. Federal Housing Authority (Fha)
- Usda
- Construction Loans
- Certified Mortgage Planning
- Loans
- Government Loans
- Refinance
- Va Loans
- Real Estate
- Fha Financing
- Mortgage Lending
- Loan Origination
- Loan Servicing
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