Wayne Smith

Wayne Smith

Senior Loan Officer Email [email protected]
Phone (714) 361-1653 Schedule a call
Get started with Wayne

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.

Based in Orange County, CABased in Orange County, CA NMLS #236174

Loan options for every scenario.

Loan options may vary depending on your location and available lender.

Renovations
Renovating an existing home or a home that you're looking to purchase.
Purchases
Purchasing a new home or land to build on.
ADUs
Adding an ADU to to a property you own or planning to purchase.
New Builds
Building a new home from the ground up or demolishing an existing structure.

Recent RenoFi Reviews

RenoFi Renovation Loans

RenoFi Renovation Loans unlock the power of your home’s future value so you can:

Keep existing mortgage without refinancing.
Get lower rates based on the future value of your home.
Pay early without prepayment penalties.
Choose between fixed rate and variable rate home equity loan and HELOC options.
Get started with Wayne

Perfect for ADU financing

Finance the addition of an Accessory Dwelling Unit with RenoFi and enjoy:

  • Increased Property Value

  • ADUs can significantly increase the value of a property by adding usable square footage and expanding living spaces.

  • Flexible Living Spaces

    ADUs offer flexible options for homeowners, whether they’re looking to:

    • Create a private space for family members (like elderly parents or young adults).
    • House guests.
    • Set up a home office or studio. This flexibility adapts well to changing family needs and lifestyle shifts.
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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
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

Cash Up Front

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

See what Renofi can do for you

Contact Wayne

Wayne Smith

Wayne Smith

Senior Loan Officer
NMLS #236174 Phone (714) 361-1653
Schedule a call using the button below or contact me using the contact form.
Schedule a call
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