Bio: I am a Licensed Residential Mortgage Originator with Cornerstone Home Lending, Inc. I have a Unique Identifier number NMLS 92100 and my legal name is Walter Berry Smith, Jr. (Nice I know but that is what Mortgage Lending has become so you know how to locate my whereabouts as its all for the customers best interest!). However, my colleagues and customers know me as "BO" that is BoKnowsMortgages and I love what I do especially when I can turn your House into a Home with our Renovation Mortgage Products which has become my mortgage passion. Outside FixerUpper Mortgages I also originate Energy Efficient Mortgages, Conventional, FHA, JUMBO and VA for purchases and refinances. I am Licensed to lend in AL, AR, TN, MS, LA, TX, and D.C. One of my favorite quotes is, "I don't operate on Bankers Hours!" so don't be surprised if you receive a phone call from me or text over the weekend or after-hours. Yes I have a personal life and love it more than my mortgage life as spending time with my beautiful wife and watching my two daughters grow into young ladies is my hierarchy of life. If I am not originating a mortgage or spending time with my family you can catch me on the fly running, swimming on my masters swim team, or cycling.