About Us

At HomeWealth Solutions, we believe a mortgage is more than an interest rate — it’s a strategy. The right structure can improve cash flow, reduce risk, and create clarity for the families we serve. Our mission is simple: provide honest guidance, transparent options, and long-term support so homeowners and buyers can make confident, informed decisions.

We serve homebuyers, homeowners, and real estate professionals who want more than a transaction. We bring financial clarity, strategic thinking, and a planning-first approach to every conversation.

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Our Founder

Doug Smith, CMA®
Founder & President, HomeWealth Solutions
NMLS #2742458

Doug began his career as a financial advisor in 1998 and spent 15 years helping families make long-term financial decisions with a planning-first mindset.

After that, he led operations and finance in manufacturing as a COO/VP/GM, overseeing a $48 million business and focusing on disciplined execution and results.

Today, as a Certified Mortgage Advisor®, Doug brings a rare blend of planning perspective, mortgage strategy, and real-world leadership to help buyers and homeowners make confident, informed decisions.

His belief is simple: the best rate with the wrong strategy is far more expensive than the right strategy at a competitive rate.

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Our Mission

To bring clarity, integrity, and excellence to the mortgage experience.

We help clients make decisions that support long-term financial health — not just short-term savings. Whether buying, refinancing, or restructuring debt, every recommendation is grounded in cash flow, amortization, and long-term wealth impact.

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What Sets Us Apart

Planning-First Approach
We don’t just quote rates. We evaluate how each loan structure impacts cash flow, amortization, goals, and long-term net worth.

Certified Mortgage Advisor® Expertise
Every conversation is backed by a planning-first background and real-world leadership experience — not sales scripts or pressure tactics.

Clarity Through Analytics
We use clear visuals and cost-analysis tools to help buyers and homeowners understand their options in minutes.

Real, Ongoing Support
Most lenders disappear after closing. We stay with you for as long as you want us — rate monitoring, strategy updates, annual check-ins, and support through every life or market change.

Transparent Access to 120+ Wholesale Lenders
As a mortgage broker, we have access to 120+ wholesale lenders — so we can match the right loan structure and pricing to your goals with total transparency.

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Who We Serve

Homebuyers
Clear guidance, strategic structure, and education that removes fear, confusion, and overwhelm.

Homeowners
Refinance, debt-consolidation strategies, cash-flow improvements, and wealth-building insights.

Realtors
A true partner who helps you convert more leads, educate fence-sitters, and create confident clients who actually close.

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Our Process

1. Understand the Goals
We start with your financial priorities, cash-flow needs, and timeline.

2. Evaluate the Strategy
We model multiple options to find the structure that aligns with your long-term wealth and monthly comfort.

3. Present With Clarity
We walk you through a simple, transparent analysis so you understand the “why” behind the recommendation.

4. Support for the Long Term
After closing, we continue to monitor opportunities, review changes, and remain accessible whenever needed.

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Why Clients Choose Us

Most lenders sell rates.
We deliver strategy, education, and long-term clarity.

We provide:

• Access to competitive wholesale pricing

• Straightforward explanations without jargon

• Financially strategic guidance grounded in planning principles

• A long-term relationship, not a one-time transaction

At HomeWealth Solutions, you don’t just get a mortgage — you get a plan.