Get up-to-date information and assistance from our COVID-19 Resource Guide.

headshot
Todd Smith
VP of Mortgage Lending

With a lifetime of experience in construction, building restoration, and real estate financing, I bring this knowledge, background, and expertise to Guaranteed Rate. The numerous years of residential mortgage experience and with Guaranteed Rate’s loan programs, I can provide the borrower with the most effective mortgages available in the market place today. In addition to providing all of the conventional loan products, the unique background I possess provides expertise in loans for the self-employed and those seeking renovation loans.

Throughout my career, I have written for Fine Homebuilding magazine, authored three books, two business books, and a novel. I have had the privilege of sharing my knowledge as a guest lecturer on the topics of building restoration, real estate finance, and business growth strategies at Bergen County Community College, 970AM’s small business symposium, and countless other business organizations throughout the tristate area. At the time of my most recent book release First and Ten on the Twenty… is it Football, Business or Life?, my college alma mater Montclair State University extended an invitation to host the book signing and a lecture on business growth strategies which was provided to a standing room only audience.

North Jersey has been home for me and my wife our entire lives. We raised our children in New Jersey and they have all remained living locally, two family members are also in the residential mortgage industry.

The goal with each client is to provide the same level of customer service that I would anticipate for my family if the roles were reversed. This is accomplished by sharing my knowledge of the mortgage industry and the loan process with each client to set them at ease.

See how easy our Digital Mortgage works

Recent Reviews

What people are saying
Helpful tools and resources
Mortgage Calculators logo
Mortgage Calculators
Loan Options logo
Loan Options
Home Valuation logo
Home Valuation
Market Research logo
Market Research
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Marcus by Goldman Sachs
Consolidate your debt and potentially lower your interest rates
loading rates table

Today's Rates

Loan TypeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!