• Lowest Jumbo Rates and High priced loans

        80% to 2 million
        75% to 3 million
        Agressive Rates
    Lowest Jumbo Rates and High priced loans
     
  • FHA Loans and Homepath

        High debt to income ratios up to 56.99%
        Lower fico scores
        FHA underwriter in-house
    FHA Loans and Homepath
     
  • Reverse Mortgages for Seniors

    Minimum age 62
    Equity needed
    House pays you
    You Make No Mortgage Payments

    Reverse Mortgages for Seniors
     
  • Direct Banking and Mortgage Lending

        Portfolio lending
        Common sense underwriting
        In house underwriter, docs drawer and funder
        Fast turn times
    Direct Banking and Mortgage Lending
     
In today's lending environment it's all about what you know and how to put a loan together.

A mortgage advisor must know how to structure a loan in order to meet today’s vigorous underwriting standards.  Lending is like a jigzaw puzzle and one must put the pieces together in order to have a completed picture and a funded loan.

Denise Smith has navigated the real estate market for a number of years. She has programs that range from FHA for first time home buyers to Super Jumbo.  She offers a full range of products for every stage of the real estate process.


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As a busy real estate agent, I need a powerful team on my side to get my deals done as smoothly and efficiently as possible. Prior to meeting Denise, I dealt with several loan brokers/officers who never seemed to get the deal done.  One almost lost me a client by giving her false information. To say the least, I was frustrated and very reluctant to refer my clients to a loan person.  Meeting Denise was an answered prayer.  I can not praise her enough for her professionalism, and "on the ball" attitude.  She takes care of my clients and me with her eagerness to do a great job.  She constantly keeps me updated on what is going on with my clients, and her communication with them.  They tell me how great she is, and she is willing to go the extra mile and do whatever it takes to make an easy and smooth transaction.  One of my current clients shopped his loan with three different major lending institutions...and then decided that Denise was perfect for the job and that she had better rates than the big banks.  Now my powerful team is complete with Denise Smith as my "go-to" person for loans.  She is terrific to say the least, and I highly recommend her and have 100% confidence that she will get the job done! –Milly Djukic

Thank your for the great service that you provided to my husband and I on our home purchase last year. You made what I would might be a complicated process (given the short amount of time) appear to be seamless.  Mark and I have worked with other mortgage brokers in the past but I can honest say that none met the superior service that you provided us.  You were knowledgeable of the process and educated us along the way.  If there is a future need for a home loan, we will certainly look to you to assist us.  It was a pleasure and we look forward to working with you in the future! –Andree Smalls

The real estate market has become increasingly difficult. A major component in the real estate transaction is appraisal and funding. Denise Smith made my work easy. She managed time lines and promptly responded to any questions or concerns that arose during the transaction process. She worked closely with the buyer and the buyer's agent to complete the funding requirements and finalize the loan for the buyer.
In an unpredictable real estate market, Denise Smith was able to provide excellent service to our client and the funding process was seamless.
–Denise C., Access Properties Group Transaction Coordinator