Contact Stephen K Smith
About Stephen K Smith
My family moved to the Napa Valley in 1978, after growing up and going to school in the Santa Clara Valley (Silicon Valley), I was licensed as a Real Estate Broker shortly afterwards. I married a third generation Napan and raised one daughter who is teaching in the central valley. You might see me out performing music with one of the many bands that I play with in the valley. Identifying the loan that best meets your circumstances is most important; it might be your first home, a second home or an investment property. You might need a loan for only a short time or have found a fixer upper that needs some tender loving care. You may have encountered difficulties in the past and have some credit issues that need addressing. It is important for all buyers to complete an application before looking at homes. This helps you identify what price and payment range you qualify for and are comfortable with. We will discuss how much money you will need to close a transaction. I will review the information and issue a cost estimate; this will give you the cost of the loan and monthly payment. You will then be given a prequalification letter to submit with your purchase offer. Homebuying is easy if your prepared. I will help you be prepared so your transaction results with you owning the home of your dreams.