Dina Smith - Mortgage Loan Officer NMLS #31765

Mortgage Loan Officer NMLS #31765 Draper and Kramer Mortgage Corp. NMLS #2551 Equal Housing Lender

Mortgages are my business, my expertise, and my success is wholly dependent on your satisfaction, which is why I am fully committed to providing you sound advice and great service. At Draper and Kramer Mortgage Corp. you'll find a knowledgeable and experienced staff, a wide variety of loan options, and quick, efficient processing. Draper and Kramer Mortgage Corp. is the residential mortgage division of Draper and Kramer, one of the country’s premier full-service real estate and financial firms. While still a family-owned company headquartered in Chicago, we help identify and structure mortgage financing programs for clients across the United States and have been doing so since 1893.

Mission: My mission is to provide you with exceptional customer service. As a partner with you in the home financing process, I will provide you with updated market information and a variety of lending programs to meet your individual needs.


4 Funky Odors In Your House Only Your Guests Can Smell

Have you gone noseblind to these common odors in your house?

houselogic.com You can become noseblind when it comes to odors in your house like basement mustiness. Here's how to eliminate house odors you can't smell but guests can.


Should I Refinance My Home?

To decide if refinancing is the best option for your family, start by asking yourself these questions.

keepingcurrentmatters.com With the recent lower interest rates, many homeowners are wondering if they should refinance.


How to Protect Credit Cards While Traveling | Credit.com

Here are a few things you can do to protect your credit—and your identity—while traveling.

blog.credit.com When you're traveling, you open yourself up to all kinds of financial risks. Here are some tips on how to protect credit cards while traveling.


Americans Rank Real Estate Best Investment for 6 Years Running! [INFOGRAPHIC]

keepingcurrentmatters.com Some Highlights: Real estate has outranked stocks/mutual funds, gold, savings accounts/CDs, and bonds as the best long-term investment among Americans for the last 6 years. Stock owners are more positive about real estate than stocks as an investment. Of the 4 listed, real estate is the only investm...


How to Hide a Key: 7 Smart Ways to Stash a Spare

7 genius ideas for hiding your spare key, plus some advice from security experts who’ve seen it all.

realtor.com What are the best places in your home to hide a key in case of emergencies? And just how safe are those hiding spots, anyway?


10 Backyard Trends to Try This Season

Looking to improve your backyard space? Here are 10 popular trends to try out this season.

familyhandyman.com Make your backyard a place you look forward to spending time in. Whether you want to make it a relaxing oasis, help the environment or just want to add some simple upgrades, here are 10 backyard trends to try this season.


The Most Effective Ways to Calm Stressed Pets During Fireworks

Here are some proven ways to help keep your stressed pets calm during fireworks.

bhg.com Booming fireworks can send pets into an anxious spiral. Here are the tips, techniques, and products recommended by experts to manage and treat fearful furbabies.


Stop Wondering What Your Budget Is & Get Pre-Approved!

Here's why you should never shop for a home without getting pre-approved first.

keepingcurrentmatters.com In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show that you are serious about buying your dream home is to get pre-qualified....


Lazy Life Hacks for Pulling Yourself Out of a Trash Spiral

Experts explain how you can significantly reduce your carbon footprint by making these small changes in your home.

architecturaldigest.com Easy ideas for making do in the Anthropocene


4 Factors That Impact The Interest Rate On Your Mortgage

Here are four things that you can do to help yourself secure the best mortgage rate possible.

forbes.com It's about more than just your credit score.


Sharp Homeowners Know June Is the Best Time to Do These 5 Things

Tackle these five summer maintenance tasks now — and save yourself time and money this winter.

houselogic.com Tips to clean the siding on your house, the best time to seal your driveway (it’s June, fyi), and other valuable home maintenance tips from the experts who know the value of home maintenance.


7 Decor Items That Will Sell Your Home (and 3 That'll Keep It On the Market)

Selling your home? Here are the decor items you should put out—and the ones you should hide far, far away—to make your home as buyer-friendly as possible.

realtor.com If you're overwhelmed by what to do when you list your house for sale, consider this a secret formula for getting your place sold fast.


2 Myths Holding Back Home Buyers

Consumers continue to overestimate the credit score and down payment requirements for obtaining a mortgage.

keepingcurrentmatters.com Freddie Mac recently released a report entitled, “Perceptions of Down Payment Consumer Research.”


This Is the Most Popular Home Decor Style in Each State

Does your personal decor style fit in with your state?

realsimple.com Psst...here's how your neighbors are decorating their homes.


Mortgage applications soar as refinances surge on a big rate drop

Mortgage rates have dropped to their lowest level in nearly two years. Contact me today to learn how much you could save by refinancing your mortgage.

cnbc.com Mortgage applications surged 26.8% in just one week. Volume was 41% higher than the same week one year ago.


13 Father's Day Cards for Every Kind of Dad

13 unique Father's Day cards that are sure to please any Dad.

hgtv.com Father's Day is coming up fast! Whether you're looking for the perfect card for your dad or grandfather or someone else who's filled that role and means the world to you, these creative, funny and beautiful cards will help show the men in your life how important they truly are to you.


Mortgage Rates Slump to 2-Year Low—but Consumers May Not Bite

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realtor.com So far this year, the 30-year-fixed has averaged 4.24%, down from 4.54% in 2018.


Map It Out: The Homebuying Timeline

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freddiemac.com Before you hit the road, you should be able to answer the question: what are the steps in the homebuying process?


How Homeownership Delivers Unsurpassed Family Wealth

Did you know the average homeowner accumulated $9,500 in wealth over the past year? 🏡 💰

keepingcurrentmatters.com There are many financial benefits to homeownership, but probably none more important than its ability to create family wealth.


Here’s What Really Happens During the Home Appraisal Process

Here's what buyers need to know about the home appraisal process.

apartmenttherapy.com To the uninitiated, the home-buying process may feel like a never-ending cycle of hoops to jump through.


Is It Your First Time? Here Are Our Best Home Buying Tips

Thinking of buying your first house? Here are some important tips to help you get started.

thepennyhoarder.com Buying a home can be equally terrifying and thrilling. These 25 home-buying tips will help first-time home buyers make sense of what can be an overwhelming process.


12 Genius Yard and Garden Maintenance Hacks to Simplify Your Summer

Spend more time enjoying your yard and garden this summer with these smart maintenance tips.

realtor.com Maintaining a yard? What a chore! We've rounded up genius yardwork shortcuts that will streamline whatever outdoor task you're tackling.


How to Pick Your First Homeowners Insurance Policy - The Simple Dollar

Here are some expert tips on how to pick your first homeowners insurance policy.

thesimpledollar.com Purchasing your first home can be an overwhelming process, one fraught with emotion and a seemingly endless stream of paperwork and documentation. For


Mortgage refinances surge 8%, as rates fall to the lowest level since January 2018

Homeowners are jumping at the chance to refinance their mortgages while rates remain low.

cnbc.com Homeowners are taking advantage of lower interest rates, rushing to refinance their mortgages before rates potentially turn higher again.


Starting the Search for Your Dream Home? Here Are 5 Tips!

Here are five tips for finding your dream home without losing your mind during the process.

keepingcurrentmatters.com In today’s real estate market, low inventory dominates the conversation in many areas of the country. It can often be frustrating to be a first-time homebuyer if you aren’t prepared.


These Home Mistakes Are Costing You a LOT of Money

Are you making any of these nine costly mistakes in your home?

housebeautiful.com You probably didn't even realize it.


The Five Things You Need to Achieve Your Financial Goals - The Simple Dollar

No matter what your financial situation might be, here are five things you need to reach your money goals.

thesimpledollar.com Given the enormous differences in the financial situations of different people, it's easy to buy into the idea that those different stories have very


Weekly mortgage applications rise 2.7% in a strong week for homebuyers

Purchase applications drove the gains in mortgage volume, rising 4% for the week and 5% annually, followed by refinance applications, rising 1% for the week and 13% annually.

cnbc.com After pulling back for several weeks, homebuyers stepped back into the mortgage market last week.


The Cost of Renting vs. Buying This Spring [INFOGRAPHIC]

Before you renew your lease, learn how much more income is required for renting vs. buying in today's market.

keepingcurrentmatters.com Some Highlights: Historically, the choice between renting or buying a home has been a tough decision. Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed to buy a median-priced home (17.5%), the choice becomes obvious. Every market is diffe...


The Best Mother's Day Gift Ideas 2019

Mother's Day is just around the corner! Do you have your gift yet?

familyhandyman.com Make Mother's Day the best day with any one of the best Mother's Day gift ideas we've found. These Mother's Day gift ideas are great for all kinds of moms.


6 Fatal Phrases Home Buyers Should Never Include in Their Offer Letter—Ever

Here are six phrases never to include in an offer letter. ✍️ 🏡

realtor.com Your offer letter can woo a seller into accepting your bid, but what you say could work against you, too. Here are some phrases to avoid.


Dina Smith Loan Officer | NMLS # 31765 Louisville (Dutchmans), KY Draper And Kramer Mortgage Corp. Mortgage Professional Reviews

5.0 Star Review on SocialSurvey — Dina went above and beyond, so happy we used her. by Danielle S. for Dina Smith

socialsurvey.me Dina Smith's 30+ year career as a mortgage professional has been defined by her passion for serving others. Having seen it all from numerous sides of the industry, she prides herself on using her vast experience and expertise to help home buyers and owners achieve their dreams. To say Dina's mortgag...


How Important Are New Construction Home Inspections?

Though it would seem that new homes should be relatively error-free, according to many inspectors, they often have underlying issues at work.

thebalance.com Buying a new construction home? Don't skimp on the inspection. In fact, you might want to get two or three.


These 5 Factors Are What Actually Matters When It Comes to Your Credit

Here's a breakdown of the five credit factors that are used to calculate your credit score, including tips to improve each one.

thepennyhoarder.com We break down the five credit factors that determine your score and how you can improve each one.


8 Smart Choices for Curb Appeal With Staying Power

Looking for yard and deck ideas that will also step up your home's value? 👀👇

houselogic.com Curb appeal is key to increasing your home's value. Here are curb appeal and deck ideas to help you buy your landscaping and deck materials to get the best return on your investment.


Home sellers are suddenly much more optimistic — and you can thank lower mortgage rates

More consumers think now is a good time to buy and sell a home, and more expect interest rates to fall in the next year.

cnbc.com Lower mortgage rates are likely behind a surge in positive housing sentiment, which could help rev up what started as a sluggish spring season.

Mortgage rates have fallen! This is great news for homebuyers and homeowners since lower rates can make home financing more affordable. If you or someone you know is considering a home purchase or refinance, contact me to learn about today’s options.


Are you a homeowner? Here's how much richer you are now

It's a great time to own a home! Collectively, homeowners with mortgages saw their equity increase by just over 8 percent last year, according to CoreLogic.

cnbc.com Strong demand for housing last year kept home prices surging, and that means more homeowners are now sitting on more cash in the form of home equity. Collectively, homeowners with mortgages saw their equity increase by just over 8 percent last year.


Kitchen Updates: How Often to Replace Appliances and Cooking Supplies

A great kitchen has a lot to offer your quality of life, but maintaining functionality means proper replacements. Here’s what you need to know about maintaining the state of your kitchen.

redfin.com Your latest kitchen updates may look gorgeous, but nothing good lasts forever. Keep a schedule for replacing your dishwasher, refridgerator, and stove.


7 Things To Avoid After Applying for a Mortgage!

Here are some important things to avoid once you've applied for a mortgage.

keepingcurrentmatters.com Congratulations! You’ve found a home to buy and have applied for a mortgage! You are undoubtedly excited about the opportunity to decorate your new home! But before you make any big purchases, move any money around, or make any big-time life changes, consult your loan officer. They will be able to...


8 Lesser-Known Fees That Factor Into the True Cost of Home Buying

It’s easy to overlook some of the smaller fees that come along with a home purchase. Here are eight common fees and what they could cost you.

houselogic.com Don’t let the hidden costs of buying a home - like the cost of an appraisal - deter you from your goal. Here’s what you need to know about fees related to home-buying.

At DKMC, we are grateful to our nation’s veterans for their service, and we are committed to supporting them and their families. That’s why we never charge lender fees on our VA home loans.


5 Tricks to Rejuvenate a Run-Down Patio on a Budget

Here are five easy ways to inject new life into your outdoor space.

houselogic.com Need ideas for patio designs on a budget? These tips, from painting concrete to removing rust from patio furniture will breathe new life into a tired patio.


Mortgage Applications Surge Again in MBA Weekly Survey | Mortgage Bankers Association

Falling interest rates led to another surge in mortgage applications last week.

mba.org Falling interest rates led to another surge in mortgage applications last week, the Mortgage Bankers Association reported this morning in its Weekly Applications Survey for the week ending Mar. 29.


10 Best-Kept Secrets for Buying a Home

If you're thinking of buying a home in the near future, here are 10 ways to help ensure you get the most bang for your buck.

hgtv.com Get the most out of your money with these handy home-buying tips.

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6100 Dutchmans Lane - 6th Floor, Suite 601
Louisville, KY

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 14:00
Other Financial Services in Louisville (show all)
Jessica Agruso - Mortgage Broker NMLS 1463362 Jessica Agruso - Mortgage Broker NMLS 1463362
307 N Hurstbourne Pkwy
Louisville, 40222

Licensed mortgage loan officer in 11 states! Ky. In. Tn. Co. Mn. Md. Nj. Va. Al. Ga. Fla. nmls 1463362

Kathy Small-Caliber Home Loans NMLS ID # 13536 Kathy Small-Caliber Home Loans NMLS ID # 13536
1650 UPS Drive
Louisville, 40223

NMLS ID # 13536. Equal Housing Lender.

Charlton Grant - State Farm Agent Charlton Grant - State Farm Agent
1802 Farnsley Rd
Louisville, 40216

Jefferson Financial Services Jefferson Financial Services
5618 Bardstown Road
Louisville, 40291

Jefferson Financial Services is a locally owned and operated loan agency that offers competitive rates. Gary Zortman Branch Mgr/VP

RJ Condren - Northwestern Mutual RJ Condren - Northwestern Mutual
462 S 4th Street

As a financial advisor, my team and I work to create personal financial plans for families, individuals, and small businesses. In today's world, it's all about having a game plan and being prepared for the worst before it happens.

Daniel Fabulic Agency Daniel Fabulic Agency
3933 Bardstown Rd, Suite C
Louisville, 40218

Visit us online anytime at www.fabulic.com. Text your agent any time at 502-230-4445.

Edward Jones - Financial Advisor: Brandon Wolf Edward Jones - Financial Advisor: Brandon Wolf
1510 Bardstown Road
Louisville, 40205

Midway Tax Service Louisville Midway Tax Service Louisville
4130 Taylor Rd
Louisville, 40215


Edward Jones - Financial Advisor Josh Stewart Edward Jones - Financial Advisor Josh Stewart
6846 Bardstown Rd
Louisville, 40291

Edward Jones is a financial -services firm dedicated to serving the needs of individual investors. Member SIPC

John R. Cox - State Farm Agent John R. Cox - State Farm Agent
12907 Factory Ln Ste 5
Louisville, 40245

Auto Insurance Home Insurance Property Insurance Business Insurance Life Insurance Health Insurance

Burns Insurance Burns Insurance
207 Breckenridge Ln
Louisville, 40207-3824

Louisville Kentucky, All Lines Insurance Agency, offering Auto, Home, Life, Health, and Business Insurance.

The Mitchell-Schenkenfelder Group at Morgan Stanley The Mitchell-Schenkenfelder Group at Morgan Stanley
400 W. Market St., Suite 2500
Louisville, 40202