Headshot of Jeffrey T Smith

Jeffrey T Smith

Sr. Mortgage Advisor

NMLS #237059

1177 Magnolia Avenue, Suite 1
Larkspur, CA 94939
(628) 877-2054 (628) 877-2054
Cell phone
(415) 846-4422 (415) 846-4422
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Jeff

Jeff Smith knows that getting the best mortgage options for his clients is critically important, but helping people chose the best option can be invaluable. With 20+ years in the mortgage and real estate finance industry, Jeff starts with understanding his clients’ financial goals. After determining your mortgage qualifying options, he will help you assess the impact of your decisions against your objectives. Are you buying too much or too little home? What is the impact on your personal balance sheet? Will this help or hinder your ability to pay for your kids’ college education, take vacations, consider retirement, or care financially for your parents? Jeff has the expertise to assist you with all these very significant questions in the pre-approval or refinancing process.

Jeff has consistently been among the top 1,000 mortgage originators in the U.S. over the past two decades. He has an MBA from UC Berkeley’s Haas School of Business, is a Registered Investment Advisor with the SEC, and has the tools and expertise to help his clients make financial decisions inclusive of their real estate and mortgages that helps them reach their financial goals.


Recent Posts and Articles

  • Senior couple browsing home financing options for their home renovation

    Whether you’re aging in place or bringing older relatives into your home, know your options and limitations for building in, building out and reducing hazard risk.

  • First time homebuyers fixing up their historic home thanks to their rehab home loan

    Historic Home Living: What You Can and Can’t Change

    Fantastic benefits come with living in a historically significant home, but certain restrictions can limit your rehab dreams—know your options going in

  • A woman standing in her new home

    Women Taking (Home) Ownership

    Let’s hear it for 100 years of women’s progress in homeownership! Read about their phenomenal influence on the market as we celebrate women and mortgages.

  • A couple reading an email from their realtor about their offer

    Winning a Homebuyer Bidding War

    Winning a homebuying bidding war depends on key factors you can control, including your outlook, tactics and the team around you.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

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