I am a graduate of Dickinson College (BA Policy Studies Management) and the
Pennsylvania State University (Master's of Public Administration).  From 2006 to 2008 I worked for Senator Arlen Specter in Harrisburg, PA as a caseworker.  Senator Specter put me in charge of investigating a local Ponzi scheme that costs local York, Lancaster and Harrisburg residents millions of dollars.  I am proud to  represent the mortgage field as a licensed and ethical loan officer.  

 

In my time spent as a loan officer, I have worked with first time homebuyers, self employed, refinances, FHA 203 K Rehabilitation clients and much more.  I have gained a significant amount of experience and joy working with first time buyers.  I remember how confusing the experience of buying a home for the first time can be.  It is easy to fall prey to unscrupulous real estate agents and lenders if you do not know the process.  My goal is to educate the borrower not only for the first transaction of their home but for a lifetime.  The right mortgage education can literally save you thousands of dollars over the span of a lifetime.  If you are a first time buyer, make sure you are in the rights hands.

 

"You were very helpful in getting our feet wet on the
whole process and we had a lot of confidence that we would be in good
hands with you. I will definitely forward your information to anyone that I know
that is buying a house now or in the future." Adam Witman, York

"You have saved our family a tremendous amount of money and made sure
we got the best rate.  We worked with a lot of Mortgage Brokers and Banks.  
You certainly gave us the attention we needed.  We are confident we made
the right decision by refinancing.  We have already recommended you to our
family.  We will continue to keep you in mind and will be glad to recommend
you to all our friends and family." Angala and Edward Smith,
                                   Chambersburg

"I have had several opportunities to do business with Ray Smith
of Home National Mortgage.  Ray has proven himself to be
reliable, knowledgeable, hard working, and extremely helpful
in situations where we worked together.  I would be completely
comfortable in recommending Ray's services."
                          Brian Schulman
                          Realtor for Coldwell Banker