Willie Smith
Branch Manager NMLS# 205317 Licensed in FL, GA and VA
1845 East West Parkway, Suite 7
Fleming Island, FL 32003
Branch License #2430847
About Willie Smith
Your mortgage is personal, and I understand that.
I’m Willie Smith — a husband, father of three boys, coach, and mortgage advisor with nearly three decades of experience helping families make smart, confident moves in real estate.
My specialty is VA loans. It's a deep passion and a calling — serving those who’ve served us. But that’s not where my work stops. I help first-time buyers, seasoned homeowners, self-employed clients, and retirees find the right loan for their life and goals. Whether it's FHA, jumbo, renovation, or a strategy to rebuild credit, I bring clarity to every conversation.
I started my career at places like Bank of America, Countrywide, and SunTrust, where I learned what to do — and what to do better. Now, I bring that experience to every client I serve, with personal guidance, proven systems, and a team that knows how to get it done right.
My approach is simple: be real, stay ready, and deliver results. I’m not here to sell. I’m here to serve — with excellence, empathy, and a plan that makes you feel empowered from start to keys.
If you’re looking for a lender who treats you like family and shows up like a pro, let’s talk.
We keep the mortgage process easy
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.
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Step 1 Connect with a Loan Expert
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Step 2 Get Pre-Approved
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Step 3 Make Offers
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Step 4 Lock in your Preferred Rate
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Step 5 Move in to your new home
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Step 1 Connect with a Loan Expert
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Step 2 Lock in your Preferred Rate
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Step 3 Get your new loan approved!
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Home Loans
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Fixed-rate Mortgages
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Adjustable-rate Mortgages
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Interest-only Loans
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Jumbo Loans
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FHA
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VA Loans
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USDA Loans
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Reverse Mortgages
Speciality Products
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Keys On Time Program
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Secure Lock Program
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Jumbo Investor Loan Programs
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Peak Loan Program
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High Balance Solutions
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Jumbo Solutions
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Home Ready
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Home Possible Advantage
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STaR Program for First-Responders
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Doctor Program for Medical Professionals
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Manufactured Housing Loans
See what Willie's clients have to say
Jahkari S
They made the entire home-buying experience seamless and stress-free. Communication was excellent and they were always easy to get in touch with. They also have the best rates.
Jan 29, 2026
Jahkari S
They made the entire home-buying experience seamless and stress-free. Communication was excellent and they were always easy to get in touch with. They also have the best rates.
Jan 29, 2026
Dana L
Excellent communication, quick turnaround (We were able to close a week early!), friendly & professional. Highly recommend this team for your home buying needs! Thank you Skarelli and Dotty!
Jan 09, 2026
Dana L
Excellent communication, quick turnaround (We were able to close a week early!), friendly & professional. Highly recommend this team for your home buying needs! Thank you Skarelli and Dotty!
Jan 09, 2026
Chloe S
Going through hell and high water, Willie and his team made sure to keep us updated every step of the way. Make sure we understood everything happening and were so time efficient! We greatly appreciate them and everyone who made this so easy! We are so thankful for Dotty to be more than happy to explain anything and everything to us! They told us they would make the house of our dreams come true… and they did! ... Read More
Dec 30, 2025
Dana H
The Willie Smith team made our home buying journey truly amazing !!!! Even when I wanted to quit they stayed positive and kept encouraging us !!! Service truly were above our expectations. Thank you so much guys YOU ROCK !!!
Dec 26, 2025
Jerika W
Where do I start? The Willie Smith team is hands down AMAZING!! I am a real estate agent who have done a few deal with them. Every time the customer service has been beyond exceptional!! Not only are my buyers pleased with their expertise but I learn so much from this team!! They don’t just hand out pre approval, they make sure you get to the closing table holding your hand every step of the way!! Mr. Willie, Skarelli, and Mrs. Dotty I am very grateful to have such excellent professionals on my side! ❤️ ... Read More
Dec 16, 2025
Kim D
Willie Smith and his team did a fantastic job, as usual, getting my customer to the closing table on time. The process was incredibly smooth for my first-time home buyer. Willie, Skarelli, and Dotty, thank you again for making another one of my customers' dreams of homeownership come true. ... Read More
Dec 15, 2025
Vicky Z
Beyond grateful for the Willie Team staff! Dotty and Skarelli are a powerhouse team when it comes to receiving documents, explaining regulations, and guiding throughout the entire process. We have both purchased and refinanced our home through the Willie Team and cannot be more at ease knowing that our home is secure and that we are genuinely cared for! ... Read More
Dec 10, 2025
