Financing with clarity and confidence.
Hi, I'm Adam Smith, a Mortgage Loan Officer based in St. Louis Park, MN. My goal is to make the mortgage process clear, easy to understand, and stress-free for every client I work with. I believe buying a home is one of the biggest milestones in life, and I'm here to guide you through it with quick communication, strong problem-solving, and a focus on making sure you feel confident at every step.
Before starting in the mortgage industry, I built my career in logistics, where I learned the value of efficiency, attention to detail, and delivering results under pressure skills that now serve my clients well in navigating their loan options. Backed by a knowledgeable and supportive team, I help buyers explore a wide variety of loan programs to find the right fit for their goals.
When I'm not working with clients, you can find me spending time with my fiancé and our two dogs, Luna, a black lab, and Scout, a golden retriever. I enjoy going to the gym, spending time with family, and hanging out at the West End.
Our Next Steps..
Connect
Schedule a call or start your application online.
01.02.Plan
I’ll walk you through your options with clarity and confidence.
Close
Move into your new home feeling secure and supported.
03.Your Guide to Mortgage Solutions
There are many types of home loans, but understanding which one is right for you doesn’t have to be overwhelming — I’ll walk you through the options and help you choose the best fit for your goals.
Conventional Mortgage Loan
The Standard Home Loan
Conventional loans are the most common type of mortgage — and for good reason. They offer flexibility, competitive rates, and options that fit a wide range of buyers. Whether you’re purchasing your first home, upgrading, or refinancing, a conventional loan is often the go-to choice.
FHA Mortgage Loan
A Smart Option for First-Time Buyers
FHA loans are government-backed mortgages that make it easier for buyers with smaller down payments or less-than-perfect credit to purchase a home. They’re one of the most popular ways to get into your first house without the stress of saving 20% down.
Refinance Your Mortgage
Make Your Home Work Smarter for You
Refinancing replaces your current mortgage with a new one that’s designed to fit your life today. Whether you want to lower your monthly payment, lock in a better rate, shorten your loan term, or tap into your home’s equity, refinancing can be a powerful financial tool
USDA Mortgage Loan
Affordable Housing for Rural and Small-Town Homes
USDA loans are government-backed mortgages designed to make homeownership more accessible in rural and suburban areas. With no down payment required and flexible credit guidelines, they’re a great option for buyers who want to stretch their budget without sacrificing peace of mind.
Reverse Mortgage Loan
Turn Home Equity Into Retirement Flexibility
A reverse mortgage lets homeowners 62+ access their home’s equity without selling or moving. Instead of monthly payments, the loan is repaid later — usually when the home is sold. It’s a way to free up funds for retirement, healthcare, or travel while continuing to live in the home you love.
VA Mortgage Loan
Exclusive Benefits for Veterans and Military Family
VA loans are government-backed mortgages created specifically for active-duty service members, veterans, and eligible military families. They’re one of the most powerful loan programs available, offering incredible benefits like no down payment and no private mortgage insurance.
Physician Loan Mortgage
Specialized for Medical Professionals
Doctors, residents, and other medical professionals have unique challenges when it comes to homeownership — like student loan debt, residency relocations, and future income considerations. Physician Loan programs are designed to make buying a home more attainable while you’re building your career.
Renovation Mortgage Loan
Finance the Home You Want, Not Just the One You Find.
A renovation loan lets you combine the cost of buying a home and the cost of improvements into a single mortgage. It’s a smart way to customize a property to fit your vision, whether you’re buying a fixer-upper or updating your current home.
Jumbo Mortgage Loan
Think big with a Jumbo Loan
Sometimes your dream home comes with a bigger price tag than the standard loan limits allow. That’s where a Jumbo Mortgage comes in — it covers homes above the Federal Housing Finance Agency’s (FHFA) set loan limits, so you can purchase or refinance a higher-value property with one loan.
Fixed vs Adjustable-Rate Mortgages
Two Ways to Structure Your Rate. One Clear Choice for Your Lifestyle.
When you choose a mortgage, one of the first decisions is whether you want your rate to stay the same for the life of the loan — or start lower and adjust later.
Here’s the breakdown:
Fixed Rate Mortgage
Your interest rate never changes.
Predictable monthly payments = easy budgeting.
Available in terms from 10 to 30 years.
Best if you plan to stay in your home long-term or want maximum stability.
Adjustable-Rate Mortgage (ARM)
Starts with a lower introductory rate (usually 5, 7, or 10 years).
After that period, your rate adjusts with the market.
Great if you plan to sell, move, or refinance before the intro rate ends.
Can be a smart way to save in the short term.
Bottom line: Fixed is about stability. Adjustable is about flexibility. The right choice depends on your goals — and that’s where I’ll help you decide with clarity and confidence.
Here to Guide You Home
Have questions? Want to talk through your options? I’m here to make the process simple and clear — let’s connect.
Oliver White Mortgage Group
7500 Flying Cloud Drive, Suite 900
Eden Prairie, MN 55344
