bosmith@houseloan.com
713-244-5265
Bo Smith
Buying a home or exploring a refinance? Connect with Bo to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Bo
The very first conversation he has with a potential client is Mortgage Branch Manager Bo Smith’s favorite part of the loan process. Bo truly enjoys helping others see the power of prosperity that homeownership can provide.
Bo focuses on solving problems for his clients instead of focusing on the actual loan products themselves. That level of client focus makes his service remarkable and reliable. He and his team are prepared to be your guide through the mortgage process so that your dream home can become a reality!
In fact, helping clients with even seemingly difficult loans—such as those wanting to renovate a foreclosed home, build a new home on a lot, or construct a manufactured home—is exciting for Bo Smith. He specializes in manufactured home construction, a niche that requires deep knowledge, precision, and dedication. Bo is energized to help clients figure out the details needed to recommend the right loan for your needs and to close the loan on time. His approach makes him a trustworthy specialist who comes alongside you to gather everything needed, so that when closing day comes, you have keys in hand.
Thanks for taking a few moments to learn about The Bo Smith Team! We’re passionate about what we do, and we’re simply energized by helping others. Our clients love working with us – and you will, too!
What clients say about Bo
My Experience with CornerStone was the best ! Thank you Ms.Dawn for answering every and any question I had. Thanks Mr. Bo for going above and beyond, I appreciate it! -Lastrape Family
It has been a pretty good experience working with Bo Smith and his team. This was our first time buying a house and they walked us through everything and were patient, kind and supportive with us.
The people working at Cornerstone went above and beyond to get the VA loan and percentage rate we needed. There were alot of rocky places to step through and Bo Smith, his crew, and the people at Clayton homes got us over them!! We'll have our new home in a few weeks!! Thank you so very much!! 5☆
I felt like everyone tried to do their best. I know we had some complications in the beginning, but thank God we close at the end and everything came out right I appreciate all the hard work that the Bo Smith team did together thank you so much
Bo’s team was great to work with, and they were one of the few lenders in the industry that we were able to work with to help close on our ADU.
Bo Smith and his team were very professional. They are very knowledgeable and patient through the process. They helped me understand how this works and to get to the closing day.
Bo and his team were wonderful.
Bo & his team were amazing ! Helped us through every step and bump.
My experience was great thanks to Bo Smith and the team of Cornerstone. It was a Blessing and a great experience… Thanks Bo!!!
My experience with cornerstone home lending was wonderful, everyone was very nice and helpful in explaining everything thru the whole process . Bo smith was amazing to us ! 10 out of 10 would recommend using them to buy your home !
Very kind and helpful got us our first home
Let’s connect
Contact Bo
Share a little about your plans and how to reach you.
Office locations
Suite 300
Raleigh, NC 27607
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Bo today.
