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Contact Me
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Get Approved.
Take Charge.
Own Your Home.
Home
About Me
About Gershman Mortgage
First Time Homebuyers
Tips for Boosting Income
Financing a Luxury Home
State Specific Programs
  • Tennessee Programs
  • Arkansas Programs
  • North Carolina Programs
  • Kentucky Programs
Services
Mortgage Blog
FAQ
Contact Me
Privacy Policy
More
  • Home
  • About Me
  • About Gershman Mortgage
  • First Time Homebuyers
  • Tips for Boosting Income
  • Financing a Luxury Home
  • State Specific Programs
    • Tennessee Programs
    • Arkansas Programs
    • North Carolina Programs
    • Kentucky Programs
  • Services
  • Mortgage Blog
  • FAQ
  • Contact Me
  • Privacy Policy
  • Home
  • About Me
  • About Gershman Mortgage
  • First Time Homebuyers
  • Tips for Boosting Income
  • Financing a Luxury Home
  • State Specific Programs
    • Tennessee Programs
    • Arkansas Programs
    • North Carolina Programs
    • Kentucky Programs
  • Services
  • Mortgage Blog
  • FAQ
  • Contact Me
  • Privacy Policy

Services

Home Purchase Loans

Home Purchase Loans

Home Purchase Loans

Whether you're a first-time homebuyer or looking to upgrade, we provide tailored home purchase loans to fit your needs. With flexible qualifying requirements and competitive rates, I'll guide you through the process to make your dream home a reality. Apply Online Now for your Home Mortgage loan!

Apply Online Now

Refinance Loans

Home Purchase Loans

Home Purchase Loans

Refinancing your mortgage can lower your interest rate, reduce monthly payments, or access your home’s equity.  offer refinancing options that can help you achieve your financial goals and improve your overall loan terms. Easily apply to refinance your home today! 

Apply Online Now

FHA Loans

Home Purchase Loans

FHA Loans

Federal Housing Administration (FHA) loans are ideal for first-time homebuyers and those with lower credit scores. With lower down payment requirements and more lenient credit criteria, FHA loans make homeownership more accessible. 

Apply Online Now

VA Loans

HELOCs and Home Equity Loans

FHA Loans

For veterans and active-duty military personnel, VA loans offer zero down payment options and competitive interest rates. I specialize in helping service members and their families take advantage of these valuable benefits.

Apply Online Now

HELOCs and Home Equity Loans

HELOCs and Home Equity Loans

HELOCs and Home Equity Loans

Home Equity Lines of Credit (HELOCs) and Home Equity Loans allow you to tap into your home’s equity for large expenses or debt consolidation. I can help you leverage your home’s value to access the funds you need.

Apply Online Now

USDA Loans

HELOCs and Home Equity Loans

HELOCs and Home Equity Loans

USDA loans are designed for rural homebuyers and offer 100% financing with no down payment required. These loans are perfect for those looking to purchase a home in eligible rural areas.

Apply Online Now

DSCR Loans

Jumbo Loans

Jumbo Loans

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. These loans are based on the property’s income potential rather than the borrower’s personal income. DSCR loans are perfect for investors looking to expand their portfolio without traditional income verification.

Apply Online Now

Jumbo Loans

Jumbo Loans

Jumbo Loans

For those seeking to purchase high-value properties, jumbo loans provide financing for amounts that exceed conforming loan limits. We offer competitive rates and terms to meet your luxury home buying needs.

Apply Online Now
  • About Gershman Mortgage
  • First Time Homebuyers
  • Tips for Boosting Income
  • Financing a Luxury Home
  • Privacy Policy

Krystyn Smink NMLS# 2568385

Ksmink@gershman.com

(208) 602-3331

Copyright © 2024 Krystyn Smink - All Rights Reserved.


Gershman Mortgage: NMLS #138063


Equal Opportunity Housing:
We are an equal opportunity lender. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin in the sale, rental, or financing of housing.

Not a Commitment to Lend:
The information provided on this site is not a commitment to lend. All loans are subject to approval, and rates and terms are subject to change without notice. Lending decisions are made based on underwriting guidelines and creditworthiness.

Opinions and Information:
The opinions expressed on this website are those of Krystyn Smink, Mortgage Loan Originator, and do not represent the views or guarantees of Gershman Mortgage. While we strive to provide accurate information, the content on this site should not be considered financial, legal, or tax advice. Always perform your own research and consult with professionals before making any financial decisions.

Research and Verification:
All information provided through our website is based on our understanding at the time of publication. Loan products, rates, and terms may change, and you should verify all information with us before making any decisions.

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