Michael Smith
Let's find the right loan for you.
NMLS # · Fulcrum Home Loans · Company NMLS #1926444
Michael Smith is a Mortgage Loan Officer with the Jensen Lending Team at Fulcrum Home Loans, dedicated to helping clients find the right loan for their unique situation.
- Conventional Loans
- FHA Loans
- First-Time Buyers
- Refinance
- Pre-Approvals
- Move-Up Buyers
We shop lenders. You keep more.
Multiple Lenders
We work with a wide network so we can find the most competitive rate and terms for your specific situation — not just one bank's option.
Fast Closings
Most loans close in 2–4 weeks. We move efficiently without sacrificing accuracy or communication.
Creative Solutions
Been turned down by a bank? We specialize in structuring loans that get approvals when others can't.
See where you stand in 2 minutes.
What are you buying?
"Nathan and the Fulcrum Team were so easy and great to work with. The home buying process is so stressful, but Nathan worked hard and diligently to get us into our dream home."
— Hayley, Homeowner"The whole process was incredibly smooth and everyone was knowledgeable and communicated well."
— Ariaan, Client"Nathan was very thorough. He kept everyone informed the entire time, and was always easy to reach."
— Lauren, RealtorReady to get started?
Michael is here to walk you through every step — no pressure, no surprises.
NMLS # · Equal Housing Opportunity
Jensen Lending Team is a DBA licensed in Idaho and powered by Fulcrum Home Loans. For Idaho regulatory information, contact the Idaho Department of Finance, Consumer Finance Bureau.