Wayne Smith

Wayne Smith

Senior Loan Officer NMLS #236174Schedule a call with Wayne Email [email protected] Phone (714) 361-1653 Based in Orange County, CA
Loan Options for Purchase and Renovations
Conventional 1st Mortgage Financing
Renovation Financing
RenoFi 2nd's based on After Renovation Value
New Construction Financing
Options to keep your existing mortgage without refinancing!
Loan options may vary depending on your location and available lender.

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Wayne Smith
Purchasing a home you need a Mortgage Broker that will meet your contractual closing on time as well as provide the best interest rates and programs available. My experience is unmatched by most loan officers. California licensed in 1986 by the department of Real estate I hold a Brokers license for both Mortgage and Real Estate(Realtor®). I started Pacific Mortgage Concepts 30 years ago in 1992 and helped start 2 other mortgage companies. Whether you are a first time home buyer or a seasoned investor, my skill is to narrow down and provide several loan choices so you can make an informed decision on which program is right for you and your family. Treat everyone like family and you can't help but get referrals from my clients. Mortgage or Real estate I truly like to help others reach the goals.

RenoFi Loans are unique because they allow you to borrow against what your home will be worth after the renovation is completed. This greatly increases your borrowing power and you get to keep your existing mortgage without refinancing.

Learn more about RenoFi Loans

A conventional loan allowing you to finance the renovations into your mortgage! Good for purchasing a property that needs updating or to remodel your current home. Borrow against the future / after-improved value of your home! Minimum 3% down for first time buyers, 5% for others. Owner occupied, second home and investor loans available.

Learn more about Conventional Homestyle

An FHA loan that allows you to finance your renovations. Good for purchase or refinance. Perfect for first time buyers! Minimum 3.5% down. Owner-occupied only.

Learn more about FHA 203k Loan

Renovation loan for veterans. Same VA loan requirements but borrow money on top of the purchase to renovate a property. Owner-occupied only.

Learn more about VA Renovation

Articles and Resources

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Decide if a HELOC vs Home Equity Loan is best for you. Figure out how useful they could be towards financing major projects like that home renovation you’ve been planning with this guide.

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An expert guide to everything you need to know about home renovation loans. Boost your borrowing power by discovering the best renovation loans that factor in the after-renovation value, and tackle your entire home improvement wish list in one go!

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Discover the differences between FHA 203k Loans and Fannie Mae HomeStyle Loans and how they both work for financing renovations.

Why a RenoFi Loan is the best loan for your renovation

Renovation
Loans
Standard Cashout RefiStandard Home Equity LoanConstruction Loan
Loan based on the after renovation value
Borrow up to 90% after renovation value
No refinancing options available
Inspections and draws not required
See what RenoFi can do for you
See what RenoFi can do for you
Borrow more

Borrow more

RenoFi matches homeowners to the best financing product for their project.

Longest Terms, Lowest Rates

Longest Terms, Lowest Rates

Terms up to 20 years. Rates are based on the after renovation value.

No Refinancing Required

No Refinancing Required

Have a great rate locked in on your first mortgage? No problem!

$

Cash Up Front

Once approved, homeowners receive 100% of cash up front. No draws, no inspections.

Contact Form

Contact me using the form or give me a call at (714) 361-1653
Wayne Smith

Wayne Smith

Senior Loan Officer NMLS #236174
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