Helping You Turn the Key to Homeownership

Hi, I’m Chad Smith—your dedicated Mortgage Loan Officer—committed to guiding individuals and families through one of the most important financial journeys of their lives: buying or refinancing a home.

What sets me apart? I’m licensed to lend in all 50 states, with the unique ability to both bank loans in-house (FHA, VA, Conventional, Jumbo, and USDA) and broker loans nationwide, giving my clients access to a broader range of loan options.

I offer specialized programs that many lenders can’t, including:
✔ No Doc Loans
✔ Asset Depletion Loans
✔ Bank Statement Only Loans
✔ 100% Financing Without Mortgage Insurance for Doctors
✔ DSCR Cash Flow Loans for Investors

Whether you’re purchasing your first home, refinancing, or seeking out flexible, outside-the-box lending solutions, I’m here to make the process simple, transparent, and tailored to your needs. Let’s open the door to your next chapter—together.