12639 W Explorer Drive, Suite 185
Boise, ID 83713 Mobile 208.406.2451 Tel 208.563.5588 [email protected]

Schedule a call
- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 8:00AM – 5:00PM
- sunday: 8:00AM – 5:00PM
- First-Time Homebuyers
- Investment Property
- Purchase
- Refinance
- VA Loan
- Hood River, OR
- Dufur, OR
- The Dalles, OR
- Overland, ID
- Garden City, ID
- Boise, ID
- Meridian, ID
- Eagle, ID

Your Local CrossCountry Mortgage Loan Officer

Noel Smith

Senior Loan Officer
Boise, ID Mortgage Loan Officer
NMLS # 156016

Specializing in all things Non-QM

Hello! My name is Noel Smith. As a Boise-based mortgage loan officer with CrossCountry Mortgage, I serve homebuyers, homeowners, entrepreneurs, self-employed borrowers and real estate investors across the Boise Valley and Columbia River Gorge, including The Dalles and Hood River.

At America’s #1 Retail Mortgage Lender, I specialize in practical mortgage solutions for clients who may not fit into a traditional financing box, including bank statement, DSCR investor, and Buy Before You Sell strategies.

My approach is simple: clear communication, thoughtful planning and helping you understand your options before making a decision. From pre-approval through closing, my goal is to help you feel informed, prepared and supported. I would love to help you with your purchase or refinance goals.

See What I Qualify For

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loans closed/funded

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$69.2M

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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.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

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.

Learn more

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.

Learn more