Okay, let’s tackle this. So David Smith has skills like FHA, mortgage lending, and sales, which are in demand. He’s based in Carrollton, Texas, which is a growing area. Mortgage professionals with his experience and skills can charge around $100–$200 per hour. However, considering his expertise in multiple areas, especially mortgage lending, I’ll estimate around $150 per hour. This is slightly above the average for mortgage lenders, but his sales skills and experience with investment properties bring his rate up.