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A Better Home Loan starts with a Better Interest Rate

Lacy Smith

Loan Officer

NMLS:#1649683

License: CA

Spoken language: English

Opening time

Mon - Fri 09:00 - 18:00

Sat 09:00 - 14:00

About me

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

BIO:

"Whether you're buying a new home or are looking to refinance, Lacy Smith Home Loans is your trusted financial services and mortgage company, offering excellent services in and around the Sacramento, CA area. I am your premier financing advisor and mortgage broker, ready to assist you with unparalleled service and expertise. From home loans, refinancing, home purchasing, and FHA/VA home loans, I will provide you with honest and unmatched assistance that will allow you to achieve a peace-of-mind regarding all your home mortgage activities."

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Why are our rates so low?

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WE SHOP

234 LENDERS

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WE MAKE LESS

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Why We’re Different

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Best Price Guarantee
Get $1,000 if we can’t beat a competitor’s offer. Terms apply
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Transparent Pricing
No hidden or junk fees, ever.
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240+ Lenders
Real-time rate comparison in one place.
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AI-Powered Platform (MOSO)
Faster approvals, smarter loans.
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Nationwide Coverage
Licensed in 48 states, locally supported.

Loan options from Loan Factory

ONE+

Buy a home with just 1% down and get a 2% lender grant - available to both first-time and repeat buyers with a 620+ credit score.

Adjustable-Rate Mortgage (ARM)

Enjoy a lower interest rate at the beginning of your loan - perfect if you plan to move or refinance within a few years.

HomeReady® & Home Possible®

Conventional loan programs offering down payments as low as 3% with flexible income and credit requirements.

Jumbo Loan

If your home costs more than the standard loan limits, Jumbo Loans help finance high-priced homes with competitive rates.

FHA Loan

Great for buyers with limited savings or lower credit scores. Requires only 3.5% down payment.

VA Loan

Exclusive to veterans, service members, and surviving spouses. Offers $0 down, no PMI, and flexible credit rules

USDA Loan

Designed for rural and suburban families. No down payment required and reduced mortgage insurance.

Bank Statement Loans

Qualify using 12–24 months of business or personal bank statements instead of W-2s or tax returns - useful for self-employed borrowers.

DSCR Loans

Approval is based on your property’s rental income covering the mortgage payment (Debt Service Coverage Ratio), making it ideal for real estate investors.

Asset-Qualifier Loans

Use your savings, investments, or retirement accounts to qualify, without relying on traditional income documents.

Foreign National Loans

Tailored for non-U.S. citizens purchasing U.S. property, even without a U.S. credit history or residency.

FHA Streamline Refinance

Lower your rate with minimal paperwork - often no appraisal or income verification. Only for borrowers with an existing FHA loan.

VA IRRRL (Interest Rate Reduction Refinance Loan)

For veterans and service members with a current VA loan. Quick process, usually no appraisal or income check required.

USDA Streamlined Assist

For homeowners with an existing USDA loan. No appraisal or credit review, must show at least $50/month in savings.

Rate-and-Term Refinance

Replace your current mortgage to reduce your interest rate, shorten the loan term or switch from an ARM to a fixed-rate loan.

Cash-Out Refinance

Tap into your home equity and receive cash to use for debt consolidation, tuition, or major expenses.

Bank Statement Refinance

Qualify using business or personal bank deposits - ideal for self-employed borrowers without W-2 income

DSCR Refinance

For real estate investors - approval based on rental property income instead of personal income.

Asset-Qualifier Refinance

Use savings, investments, or retirement funds as proof of ability to repay instead of traditional income.

Foreign National Refinance

Borrow a lump sum against your home’s value with fixed interest and predictable payments.

HELOC (Home Equity Line of Credit)

A flexible credit line you can borrow from when needed, similar to a credit card but backed by your home.

Reverse Mortgage (HECM)

For homeowners aged 62+. Convert part of your home’s equity into cash with no monthly mortgage payments required.

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