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Your Local CrossCountry Mortgage Loan Officer

Noel Smith

  • Senior Loan Officer
  • Boise, ID Mortgage Loan Officer
  • NMLS # 156016
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Specializing in all things Non-QM

Hi, my name is Noel Smith, and my passion is helping people build wealth through real estate. I believe buying a home shouldn’t be a stressful journey but rather one filled with excitement and the promise of a new beginning.

As a dedicated loan officer at our Boise, ID branch of America’s #1 Retail Mortgage Lender, my team and I are here to make your mortgage process simple and enjoyable. Whether you’re a first-time homebuyer, considering a move, or looking to refinance, we’ll guide you every step of the way. We believe in clear communication, caring about the big picture, and setting you up for financial and personal success.

Work with us to make your homeownership dreams come true! Let’s create a mortgage plan tailored to your unique financial goals, helping you achieve wealth in a simple and smart way.

See What I Qualify For
124
loans closed/funded
#1
retail mortgage lender in the US
$47.6M
by volume
120+
mortgage loans available

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A woman in her home office is excited to learn about down payment assistance options.
Beautiful white and grey manufactured home.
A contractor meets with the homeowner and discusses improvements to create their dream home.

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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Save With Our Manufactured Home Loan

We’ll get you home for less℠ 

What’s affordable, sustainable, and energy efficient? A manufactured home! We make them even more affordable with a lower interest rate loan for qualified buyers. 

If the home is your primary residence, and you meet income requirements, you’ll get a lower interest rate and save money on your mortgage payment. 

Ready to save every month? 

Get started

Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life! 

Here’s how: 

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.  
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle. 
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Inspiration for your home loan journey

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Frequently asked questions

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    124
    loans closed/funded
    #1
    retail mortgage lender in the US
    $47.6M
    by volume
    120+
    mortgage loans available