About Ian Smith
Ian Smith is Vice President of Mortgage Lending at Rate in Charlotte, North Carolina (NMLS #1465241). Born and raised in Charlotte, he graduated from UNC Charlotte and started in the mortgage industry as a processor, a decision that set the foundation for a career that has now helped 100's of families achieve their dream of homeownership. Known across the market as thecltmortgageguy, Ian works across the full spectrum of mortgage products, from first-time buyer loans and complex self-employed scenarios to investment property financing, DSCR loans, condo financing, construction loans, bank statement loans, down payment assistance loans, bridge loans, HELOC, Conventional loans, FHA loans, VA loans, and USDA loans. But the part of the job that never gets old is the moment a family sends a photo holding their keys in front of their new home. That picture, that moment, is what it is all about. Ian also hosts Tuesday Mortgage Chat, a free weekly educational session where he talks about key topics related to mortgage and real estate. When he is not helping clients navigate one of the biggest financial decisions of their lives, Ian is somewhere outdoors or in motion. He skis, mountain bikes, and takes long walks when life calls for something quieter. He travels as often as he can and places deep value on time spent with the people who matter most. Garden City, South Carolina holds a special place in his heart, as do New York City and Charlotte, and he moves comfortably between all three, carrying a little of each place with him wherever he goes. Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
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Calculators, tools, guides, and advice
Track your home value
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Located at 2015 Ayrsley Town Blvd, Suite 202 Office 222 Charlotte NC, 28273
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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