Headshot of Michael Smalley

Michael Smalley

Regional VP

Winter Park, FL Mortgage Lender

NMLS #289846

2211 Lee Road, Suite 109
Winter Park, FL 32789
Contact Methods
tel Phone
mobile Mobile
(407) 367-9190
fax Fax


About Michael

After entering the mortgage industry upon graduating from college in the summer of 2002, I rose from a loan officer to become a regional vice president at CrossCountry Mortgage. I’m a nationally recognized mortgage expert who is always looking to increase my knowledge of the mortgage financial markets – starting early on by being the first loan originator in Florida to receive both the Certified Mortgage Planning Specialist® and Certified Mortgage Advisor™ designations.

An accomplished public speaker, I’m the youngest person to be a featured speaker in the history of the LoanToolBox Business Plan Conference, which has an audience of 2,000 loan officers from across the country. I also hold monthly training workshops for Florida real estate agents and have presented at the Mortgage Revolution Conference in Atlanta, Sales Mastery in Palm Desert, and Mortgage Mastermind in Las Vegas.

In addition to managing my region, I remain an active loan officer dedicated to assisting clients. Over my career, I’ve closed over $800 million in loan volume, helping over 3,000 families with their home financing. I can’t wait to do the same for you, too.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


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.


  • The Mortgage Process

    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.

  • Payment Calculator

    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.

  • Find the Right Loan

    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.

  • Home Loan Check List

    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.

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Send me a message below or give me a call at 407-645-6300