Ken Smith

"I believe I can change my clients lives and impact them in such a way that they will never forget me or Churchill Mortgage. I believe this because I have the ability and tools to provide my clients with the path to debt-free home ownership. Additionally, I have an incredible backside support team that makes things happen and creates the environment for a successful loan process. It is because of this support and personal knowledge that I can boldly and humbly help people prepare a monthly budget to frame successful home ownership. We are different than other lenders because we educate you on the loan type that YOU have decided is best for you and your family. We will help you create a successful plan. We will follow up with you, holding you accountable to your plan. I have been very successful in applying these techniques for thousands of clients over the 14 years of my career and I can help you implement them into your life as well."

I grew up in Petersburg, VA, where I attended a small private school, which is where I found my love for soccer and tennis. I played for school and recreationally. I still try to find time to play and watch as much as possible. I moved to Durham, NC in 1987 to attend North Carolina Central University, where I graduated with Honors with a degree in Mathematics. After college I moved to Florida, where I lived and worked for 23 years in hospitality, insurance and the mortgage industry. I became a Correspondent lender in 2003. Primarily working as a loan officer and branch manager, I have originated almost every type of loan, ranging from Reverse to FHA 203-K, USDA, VA, FHA as well as others. I met my wife and love, Julie, in Florida on the beautiful Island of Sanibel. We were married in 1997, which is when I met Jay Garvens at our wedding. Julie and Jay were childhood neighbors and had remained friends. We have two children, Piper & KC, who attend Vista Ridge High School here in the Springs, along with two dogs, Sunny (yellow lab) and Bella (cocker spaniel), who absolutely love the climate here. I joined Garvens Mortgage Group in April 2013, after an 18 year friendship with Jay personally and some business. When the opportunity arose, Julie and I were delighted with the idea that our children could also grow up together. As a team member here at Garvens Group of Churchill Mortgage, I call myself a “1-off” as I have no military service. However, I was able to live a military life vicariously through my younger brother, Landon, who started on nuclear subs, was later a commissioned officer and retired after a 25 year career. There is no greater pleasure than serving those who serve, have served and stand on guard for our country.

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