~!~!~! | LIVE NOW | Click to watch | !~!~!~

  • Home
  • Sales Rep Position
  • Home Purchasing App
  • Who Is Nick
  • Property for lease
  • Buying Property
    • Home
    • Sales Rep Position
    • Home Purchasing App
    • Who Is Nick
    • Property for lease
    • Buying Property
  • Home
  • Sales Rep Position
  • Home Purchasing App
  • Who Is Nick
  • Property for lease
  • Buying Property

Nick Smith and Associates Inc.

Nick Smith and Associates Inc.Nick Smith and Associates Inc.Nick Smith and Associates Inc.

Your resource to buying a property

Find out more

The process of buying property

Powered with Great Support

Being a licensed realtor, loan originator, and insurance agent. Our team can help aid all those looking to; 

  1. Buy
  2. Sell 
  3. Refinance

or simply get pre-qualified to see their purchasing power for real estate.

Pre-Qualify Today

Getting Pre-Approved

 

If you have either gotten a last-minute mortgage loan denial or are going through a stressful mortgage process. This is for one reason and one reason only. The borrower was not properly qualified by their loan officer and the loan officer did not know two important things:

  • The loan officer did not know the guidelines before issuing a pre-approval.
  • The loan officer did not know their own company’s lender overlays before issuing the pre-approval letter

Find out more

Disclaimers & Discolsures

image292

Holding Multiple Licenses Requires Disclosures

Nick Smith is licensed with multiple lines in the State of Texas. This can cause some concern with RESPA & protocol of each transaction. To help assist anyone with concerns we have linked here the CFPB rules and regulations with Affiliated Business Arrangements that may take place when a person purchases, re-finances, or simply gets pre-qualified for a residential property. (4-Units or less)

(a) General.

An affiliated business arrangement is defined in section 3(7) of RESPA (12 U.S.C. 2602(7)). 

(b) Violation and exemption.

An affiliated business arrangement is not a violation of section 8 of RESPA (12 U.S.C. 2607) and of § 1024.14 if the conditions set forth in this section are satisfied. Paragraph (b)(1) of this section shall not apply to the extent it is inconsistent with section 8(c)(4)(A) of RESPA (12 U.S.C. 2607(c)(4)(A)). 

Affiliate Relationship

means the relationship among business entities where one entity has effective control over the other by virtue of a partnership or other agreement or is under common control with the other by a third entity or where an entity is a corporation related to another corporation as parent to subsidiary by an identity of stock ownership. Source: CFPB

 

Gold Financial Mortgage Services (in CA) and Gold Financial Services (AZ BK-0938299) are DBAs of AmCap Mortgage, Ltd. (AZ BK-0929916) - NMLS ID# 129122 – visit www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/129122 to see all state licenses and locations. Corporate location and additional disclosures: 9999 Bellaire Blvd. Suite 700, Houston, TX 77036. Phone: 713-586-0500. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act – License No. 603H785. MA Mortgage Lender License ML129122. Oregon License # ML-5441. Lender License: Rhode Island Licensed Lender. Some products may not be available in all states. This is not a commitment to lend. Equal Housing Lender.
 

Making the Loan Process Easy

Review some of the common documents lenders use when educating consumers on the process of purchasing property.

Why Pre-Qualify (pdf)

Download

Getting Started (pdf)

Download

Investment Property (pdf)

Download

Required Documents (pdf)

Download

 

Branch   NMLS #1014698  |    AN   EQUAL HOUSING LENDER

Gold Financial Services is a division of AmCap Mortgage, Ltd. (BK-0929916) (NMLS ID# 129122 –  www.nmlsconsumeraccess.org), an Equal Housing Lender. | Regulated by the New Mexico Financial Institutions Division. Sponsored Branch licensed in Arizona (BK-0938299).

TREC: Sales Agent License #: 716158

TREC Sponsoring Broker #: 9002921


Copyright © 2020 Nick Smith and Associates Inc. - All Rights Reserved.

Become a Better Stronger You

  • Mentorship Program
  • No Sleep Life
  • Home Purchasing App
  • Insurance Quotes
  • Buying Property
  • Consent for Company Trip
  • Privacy Policy
  • Code of Ethics
  • Parent Company
  • (IABS) Brokerage Services

Cookie Policy

This website uses cookies. By continuing to use this site, you accept our use of cookies.

Accept & Close