Ty Smith
Producing Sales Manager, NMLSR # 659509
255 Albemarle Sq
Charlottesville, VA 22901-7402
About me
Background
As a trusted advisor with Truist Mortgage, I offer more than 21 years of industry experience and an extensive practice in originating both purchase and refinance home loans. My goal is to build better lives and communities by offering my clients the professional guidance and support they need to make their home financing decisions. All those loan terms and acronyms can be confusing – like ratios, amortizations, PMI, APR and points. I make it a priority to explain these concepts with clear language that my clients can understand. I want my clients to feel confident and comfortable with their loan terms and the financial commitments they are making. My first priority is to deliver an exceptional home financing experience. My passion is "home" and is at the center of all that I do. As a Truist Producing Sales Manager, I serve with integrity to uphold the highest standards because everyone and every moment matters. Whether it is your first time buying a home or if you are an experienced homebuyer, I am committed to finding the best loan option and competitive rate to match your goals.Education
Areas of Focus
Choose how to position your mortgage comfortably within your overall financial picture, whether it’s to reduce your monthly payment, pay off your loan sooner, or get cash out for large purchases.
Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.
- Access larger loan amounts at competitive interest rates.
- For primary residences and second homes, including condominiums.
- Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.
100% financing at competitive rates and low monthly payments.
- For qualifying veterans and surviving spouses.
- 100% financing available with no down payment.
- Borrowers exempt from monthly mortgage insurance premiums.
To help today's future homeowner with their diverse financing needs, our low down payment loan programs were designed with affordability in mind. Learn more About affordable home loans.
Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.
- Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
- Doctors can get up to 100% financing with no monthly mortgage insurance payments.
- Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
By first understanding how much you can afford to spend on a home and planning accordingly, you can buy your first home with confidence. Calculate Now
