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
Branch NMLS #320399
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
Watch this 2 minute video to learn more about the loan process

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

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 certified in 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 made1. 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 deductible2 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 by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2
Please consult a tax advisor for further information regarding the deductibility of interest and charges.

What are people saying about Jeffrey Smith?

"The loan process has gone smooth so far, my Loan Officers Jeff Smith and team have done everything they can do to push the loan forward. "
- David M.,  Reno, NV
"I was very happy, It was stressful but overall a good experience. "
- Cecilia T.,  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 C.,  MANDEVILLE, LA
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Watch this 2 minute video to learn more about the loan process

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