Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Jeff Smalley

Jeff Smalley

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Bio:


My goal is to provide every one of my clients and Affinity Program partners the highest level of service and satisfaction. When working with clients, I provide outstanding customer service by educating them, not only on their best financial options, but also through managing their entire loan process. I have the ability to make strong presentations and get transactions closed. It is important to me that I keep all parties involved in the loan transaction fully informed throughout the proceedings. I also attend all of my clients’ closings.

During my time working with mortgages, I have gained an in-depth knowledge of all product underwriting guidelines covering FHA 203(b) and 203(k), VA, USDA RD, FNMA, FHLMC, and Non-conforming Jumbo Products. I know how to construct and interpret financial statements, tax returns and construct fully and properly documented loan files. I am experienced working with loan officers, processors, underwriters, closers and closing attorneys. Throughout my twenty-six years in the industry, I have originated over 1,800 residential first and second mortgage loans and have closed 99% of loans that were submitted to underwriting. I have also originated commercial loans and secured equity capital.


NMLS#: 166461

License: GA

Spoken Language: English

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 240 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.

OUR ACCOMPLISHMENTS

240+

Number of Lenders

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

Fast funding,
easy application.
Get your loan today!

Quick Loans, Anytime, Anywhere!

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