Jeffrey Smith - Your Home Loan Professional
Jeffrey Smith
Senior Loan Officer
NMLS #67053
Toll Free: 888-769-0956
Mobile: 714-865-0919
6410 Oak Canyon, Suite 250
Irvine, CA 92618
I am licensed to originate mortgage loans in the following state(s): AL, AR, AZ, CA, CT, DC, DE, FL, GA, HI, IL, LA, MA, MD, ND, NJ, NM, NV, NY, OK, OR, TX, VA, WA
Low-Down Payment and Renovation Product Info

Jeffrey Smith

Prospect Mortgage Senior Loan Officer in Irvine, California

A Wide Range of Lending Needs

As a licensed Prospect Mortgage Senior Loan Officer in California (NMLS #67053), Jeffrey can assist you with your home loan needs, including: 

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo
  • HomePath® REO Financing

Jeffrey welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Jeffrey has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Jeffrey Smith Anytime

Feel free to contact Jeffrey anytime by phone or email for personalized service and expert advice. Jeffrey will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Jeffrey Smith is 203(k) Renovation Lending Certified

Jeffrey is also an expert on 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible as well.

Jeffrey values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Jeffrey Smith if you’d like more information about our Renovation Loan, or any other mortgage financing solution. We offer other  Renovation Mortgages – including HomeStyle® Renovation and HomePath® Renovation Loans – to meet the needs of our borrowers for primary residences, second homes and investors. I look forward to working with you!

What are people saying about Jeffrey Smith?

"I was very happy, It was stressful but overall a good experience. "
- Cecilia Trujillo,  South Gate, CA
"Jeff and the team that worked on my loan were wonderful. Jeff Smith was outstanding and a pleasure to work with!"
- Michael Clark,  MANDEVILLE, LA
"All parties kept me informed as to the progress of the loan and what was needed to see that it went through smoothly. I was impressed with the process."
- Maureen Wilson,  FRANKLINVILLE, NJ
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