justinsmith@houseloan.com
970-797-3308
Justin Smith
Buying a home or exploring a refinance? Connect with Justin to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Justin
Justin Smith knows that integrity is the foundation for any successful team. A former auctioneer, Justin first became interested in mortgage lending when a client of his owned a mortgage brokerage firm. After deciding to change professions, he has spent the last 30 years helping many clients purchase their own homes with quality, unmatched customer service.
A Kansas native, Justin relocated to Pagosa Springs, Colorado, in 1980 and then to Fort Collins in 1985. When he isn’t assisting clients, you can find Justin spending time with his wife and two daughters, golfing or skiing.
What clients say about Justin
You made navigating all the steps, delays, and challenges so much less stressful than it could have been! Great advice was given every time I let you know about a change in my circumstances. I came to rely heavily on your expertise! Thank you! If I ever move again, you will be my first choice in lenders!
Made everything quick and easy.
Justin was knowledgeable, informative, and super helpful. He would respond to questions immediately, even on a Sunday. Justin has helped us on several houses and is now starting to help our children as well. He’s great!
Justin is extremely helpful and knowledgeable. It was great working with him.
Out standing service! Above and beyond
Great customer service, good communication throughout our loan process. Justin Smith and his team provide exceptional service and support from application through closing.
The whole Cornerstone crew worked very hard to help us get our home. They were great to deal with, very responsive and easy to deal with. They worked with our tax advisors and even were able to help us close early. Nothing but praise for all their hard work;
Wonderful experience! Saving us a little of money! 😊 Thank you!
Great experience! Fast and friendly communication! Made the whole process seamless!
Justin is awesome! The transaction was super smooth and easy.
Professional, personal service, rapid response to all questions about our loan, provides great information
Justin and Stephanie were professional yet supportive to the emotional task of buying a home. They were patient and held my hand throughout the entirely stressful process. I can’t thank them enough.
Let’s connect
Contact Justin
Share a little about your plans and how to reach you.
Office locations
Suite 200
Fort Collins, CO 80528
Unit 11
Carbondale, CO 81623
Suite LL03 – Office 1
Greeley, CO 80634
Hutchinson, KS 67501
Suite 100
Billings, MT 59101
Unit 2B - Suites 1 & 2
Bozeman, MT 59718
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 Justin today.
