# Smart Home Lending, LLC > T.J. Rasmussen, Senior Loan Officer — FHA, VA, conventional, jumbo, USDA, and DSCR home loans with clear guidance and fast pre-approvals. ## Contact - Email: tj@smarthomelending.com - Phone: (913) 787-6360 ## Pages - [Home](https://tjyourmortgagepro.com) - [About](https://tjyourmortgagepro.com/about) - [Services](https://tjyourmortgagepro.com/services) - [Contact](https://tjyourmortgagepro.com/contact) - [FHA Loans](https://tjyourmortgagepro.com/fha-loans) - [VA Loans](https://tjyourmortgagepro.com/va-loans) - [Conventional Loans](https://tjyourmortgagepro.com/conventional-loans) - [USDA Loans](https://tjyourmortgagepro.com/usda-loans) - [Jumbo Loans](https://tjyourmortgagepro.com/jumbo-loans) - [Calculators](https://tjyourmortgagepro.com/calculators) - [Dscr Non Qm](https://tjyourmortgagepro.com/dscr-non-qm) - [First Time Homebuyers](https://tjyourmortgagepro.com/first-time-homebuyers) - [Home Search](https://tjyourmortgagepro.com/home-search) - [Blog](https://tjyourmortgagepro.com/blog) ## Home ### Find Your Dream Home ### You're in Good Hands with Our Mortgage Services ### What We Do ### How We Do It ### How You Benefit ### Home Loan Options ### Meet ### Want a No Credit Check 2nd opinion or have questions? ### We're On It! ### See How Much You Could Save LOAN PROGRAMS Trusted. Simple. Realtor®-Recommended. Your Pathway to Homeownership Starts Here. We offer full-service residential mortgage solutions nationwide, designed to meet the unique needs of every borrower. Whether you are looking to get pre-approved to purchase, or tap into your home's equity, we are here to help! Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market. With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. Every step we take is aimed at maximizing your savings. Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Experience the difference with our dedication to your financial success. Meet Your Loan Officer In April 2023, T.J. became a part of Smart Home Lending, bringing with him over 9 years of extensive experience as a loan officer. Renowned for his diligence in catering to customers and ensuring their satisfaction, he holds a genuine concern for their well-being. T.J. is deeply committed to delivering exceptional service to his clients, leveraging his expertise in mortgage lending and a sincere dedication to aiding others. Recognizing the pivotal role of communication in the home-buying journey, T.J. endeavors to streamline this process for his clients. Take the first step toward the home you have been dreaming about. We are analyzing your loan for potential savings. We'll be in touch soon! Upload your Loan Estimate and we'll analyze it for potential savings on your mortgage. Click or drag to replace Drag & drop your Loan Estimate here or click to browse (PDF, max 10MB) Please confirm your information is correct before submitting. Licensed in Kansas, Missouri, & Florida QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT NMLS# Company NMLS# © ## About ### Meet ### What Sets Us Apart ### Education & Background ### MidAmerica Nazarene University ### Let's Work Together LOAN PROGRAMS About NMLS# Company NMLS# In April 2023, T.J. became a part of Smart Home Lending, bringing with him over 9 years of extensive experience as a loan officer. Renowned for his diligence in catering to customers and ensuring their satisfaction, he holds a genuine concern for their well-being. T.J. is deeply committed to delivering exceptional service to his clients, leveraging his expertise in mortgage lending and a sincere dedication to aiding others. Recognizing the pivotal role of communication in the home-buying journey, T.J. endeavors to streamline this process for his clients, making it as effortless as possible. Beyond his professional pursuits, he cherishes his role as a devoted husband and proud father of three. In his leisure moments, you will find T.J. shuttling his kids to practices or games, often with the backdrop of sports radio. He finds solace in spending time with his family, delving into the Word, and indulging in a round of golf. Additionally, he wears his allegiance proudly as a fervent supporter of the Chiefs and Royals . Why Choose T.J. 2003 - 2005 Ready to take the next step? Reach out for a free consultation and personalized rate quote. Full-service residential mortgage solutions nationwide. QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT © ## Services ### Home Loan Options ### You're in Good Hands with Our Mortgage Services ### What We Do ### How We Do It ### How You Benefit ### Explore Your Options ### 5 Steps to Homeownership ### Frequently Asked Questions ### Not Sure Which Loan Is Right? LOAN PROGRAMS What We Offer Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan. Our Approach Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market. While the market may fluctuate, our commitment to delivering savings doesn't. With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. This includes evaluating options such as purchasing discount points, selecting the most suitable loan type, and adjusting your down payment. Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Our mission is to transform the home buying process into a stress-free experience, ensuring you save the most money possible. The Journey Schedule a free consultation and we will help you find the perfect program for your unique situation. Full-service residential mortgage solutions nationwide. QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT NMLS# © ## Contact ### Contact ### Phone & Text ### Email ### Office ### Thank you! ### Prefer to Schedule a Time? LOAN PROGRAMS Get In Touch Whether you are looking to get pre-approved to purchase, or tap into your home's equity, we are here to help! 5440 W 110th St Overland Park, KS 66211 Your message has been received. T.J. will be in touch shortly. 📱 Quick Backup: Text this info to T.J. Name: Email: Phone: Message: (Opens your texting app with message pre-filled) Something went wrong. Please try again. Book a call directly on T.J.'s calendar. Full-service residential mortgage solutions nationwide. QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT NMLS# © ## FHA Loans ### FHA Loans ### What Are FHA Loans? ### Requirements ### 2026 FHA Loan Limits ### Benefits of FHA Loans ### Frequently Asked Questions ### Ready to Get Started? LOAN PROGRAMS Government-Insured Financing Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers. FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers. As little as 3.5% down with credit scores from 580 and above. Whether you are buying your first home or looking for more flexible qualification criteria, FHA loans provide government-backed security with terms designed for working families. *Subject to AUS Approval. Rates and requirements are subject to change. FHA loan limits vary by area. Here are the current limits by area type. Let us help you navigate the FHA loan process and find the perfect home financing solution. © ## VA Loans ### VA Loans ### What Are VA Loans? ### Eligibility Requirements ### Veterans ### Active Duty ### Guard & Reserves ### Exclusive Benefits ### Frequently Asked Questions ### Honor Your Service LOAN PROGRAMS For Those Who Served Honor your service with VA home loans designed for veterans, active military, and eligible spouses. Zero down payment, no PMI, and competitive rates. VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable. Zero down payment. No PMI. Competitive rates earned through your service. Let us help you take advantage of the VA loan benefits you have earned through your service. © ## Conventional Loans ### Conventional Loans ### What Are Conventional Loans? ### Requirements ### 2026 Conventional Loan Limits ### Frequently Asked Questions ### Ready to Get Started? LOAN PROGRAMS Traditional Financing The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers. Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations. Down payments as low as 3% for qualified first-time buyers. Explore your conventional loan options and find the perfect financing solution for your home. © ## USDA Loans ### USDA Loans ### Requirements ### Benefits of USDA Loans ### Frequently Asked Questions ### Ready to Explore USDA Loans? LOAN PROGRAMS Rural Development Program Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers. Find out if your dream home is in a USDA-eligible area and start your journey to homeownership. © ## Jumbo Loans ### Jumbo Loans ### What Are Jumbo Loans? ### Qualification Requirements ### 2026 Loan Limits by Area ### Benefits & Features ### Frequently Asked Questions ### Which Jumbo Program Fits You? LOAN PROGRAMS Luxury Property Financing Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors. Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets. Loan amounts from $832,751 up to $3,000,000 and beyond. Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options. © ## Calculators ### Mortgage Calculators ### Mortgage Calculators ### More Calculators ### Get Pre-Approved ### Have Questions? ### Need a Quick Estimate? ### Ready to Take the Next Step? LOAN PROGRAMS Tools & Resources Plan your home purchase with professional-grade calculators from Broker Marketplace. Get accurate estimates for payments, affordability, refinancing, and more. Professional Tools Use these professional-grade calculators powered by industry-leading mortgage technology to plan your home financing with confidence. Loading calculator... Explore additional mortgage calculators including VA, FHA, USDA, and jumbo loan tools. Ready to take the next step? Apply now and get a personalized rate quote in minutes. Not sure which calculator to use? Contact T.J. for personalized guidance. These calculators provide great estimates, but every situation is unique. Get a personalized rate quote tailored specifically to your financial profile. These calculators provide helpful estimates, but nothing replaces personalized guidance. Let's discuss your specific situation and find the best mortgage solution for you. Full-service residential mortgage solutions nationwide. QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT NMLS# Company NMLS# © ## Dscr Non Qm ### DSCR & Non-QM Products ### What Are DSCR & Non-QM Loans? ### Our Non-QM Solutions ### How DSCR Works ### DSCR Thresholds ### Benefits of DSCR & Non-QM Loans ### General Requirements ### Frequently Asked Questions ### Ready to Grow Your Portfolio? LOAN PROGRAMS Alternative Financing Solutions Flexible financing solutions for real estate investors, self-employed professionals, and borrowers who don't fit traditional lending criteria. Non-QM (Non-Qualified Mortgage) loans are home financing options that don't meet the strict standards of traditional qualified mortgages. These programs offer flexibility for borrowers with unique financial situations. DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors. Instead of using your personal income to qualify, these loans look at the property's ability to generate rental income to cover the mortgage payment. No tax returns. No W-2s. Just common-sense lending for modern borrowers. Specialized loan programs designed for borrowers who need alternatives to traditional financing. Understanding DSCR The Debt Service Coverage Ratio is calculated by dividing the property's monthly rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, and HOA fees). Example Calculation: Monthly Rent: $2,500 Monthly PITIA: $2,000 DSCR = 1.25 (Excellent!) A DSCR of 1.0 means the property breaks even. Most lenders prefer 1.0 or higher, with better rates available at 1.25+. *Requirements vary by specific program. Contact us for detailed guidelines. Schedule a free consultation to discuss your investment goals and find the right Non-QM financing solution for your next property. Full-service residential mortgage solutions nationwide. QUICK LINKS OFFICE 5440 W 110th St Overland Park, KS 66211 CONTACT NMLS# Company NMLS# © ## First Time Homebuyers ### Your Dream Home Starts Here ### Programs Built for First-Time Buyers ### Conventional vs. FHA: Which is Right for You? ### Conventional Loans: Lower Costs for Qualified Buyers ### Minimum Down Payment ### Cancellable Mortgage Insurance ### Better Rates with Good Credit ### Typical Requirements ### FHA Loans: Flexibility When You Need It ### Credit-Friendly ### 100% Gift Funds Allowed ### Faster Recovery After Hardship ### Typical Requirements ### Stop Renting. Start Building Wealth. ### The Power of Equity ### Common Questions ### Ready to Get Started? Loan Programs Buying your first home should be exciting, not overwhelming. With down payments as low as 3% and personalized guidance from , homeownership is closer than you think. NMLS # Licensed Professional 500+ First-Time Buyers Helped Loan Options Choose the loan that fits your situation. We will guide you through every option to find your perfect match. Best for: Compare the two most popular first-time buyer programs side by side. Conventional loans are no longer just for 20% down payments. With first-time buyer programs like HomeReady and Home Possible, you can put down just 3% and still enjoy competitive rates and flexible terms. Best of all, your mortgage insurance cancels automatically once you build 20% equity. As low as 3% for first-time buyers. On a $300,000 home, that is just $9,000 down. Private mortgage insurance (PMI) drops off automatically at 20% equity. FHA MIP often stays for life. With a 720+ credit score, you will qualify for the best available rates and lowest PMI costs. FHA loans are designed to make homeownership accessible to more Americans. With lower credit requirements, higher debt-to-income allowances, and the ability to use 100% gift funds for your down payment, FHA removes barriers that might otherwise keep you renting. Qualify with credit scores as low as 580. Even 500-579 may work with 10% down. Your entire 3.5% down payment can come from family gifts. No minimum borrower contribution required. Only 2 years after Chapter 7 bankruptcy or 3 years after foreclosure vs. 4-7 years for conventional. Why Buy? Every mortgage payment builds equity. Every rent payment builds your landlord's wealth. The decision to buy your first home is one of the most powerful financial moves you can make. *Assumes 3% annual appreciation on $300,000 home. Actual results vary by market. Everything you need to know about buying your first home. Join hundreds of first-time buyers who have trusted to guide them home. Pre-approval is free and takes just minutes. Helping first-time buyers achieve the dream of homeownership with personalized mortgage solutions. Quick Links Contact Company NMLS # © ## Home Search ### Find Your Dream Home with AI-Powered Search ### Smarter Home Searching ### Browse with Confidence ### Your Data is Protected ### Ready to Find Your Home? LOAN PROGRAMS Experience the future of home searching with intelligent recommendations, natural language queries, and a secure browsing experience that puts your privacy first. "Find me a 4-bed home with a pool" AI Technology