Christopher Smith
Mortgage Loan Originator
About
I’ve been a loan originator for 24 years now and love that I am able to help families in achieving their dream of homeownership. Combined, my team and I offer over 30 years of mortgage experience in helping our clients navigate through the home buying and refinance process. We take our clients’ best interests at heart and will offer guidance based on our honest assessment of each unique situation. When choosing me to help in your homeownership journey, you can expect superior communication, positive results, and no unwelcome surprises. The goal is always to remain your preferred lender for life. My commitment to excellence can be seen throughout my career as I have earned All-Star and Circle of Excellence recognition, as well as being a top 1% loan originator. I have also won several 5 Star Awards.
Originally from the suburbs of Chicago, I’ve lived in Bradenton, FL for the last 40 years and enjoy spending time with my wife and two children during my spare time.
Awards
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
USDA
Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
What My Clients Say
