Jimmy Smith

Loan Officer



Branch Address

911 Military St Port Huron MI 48060


Cell: (810) 202-6206

Office: (810) 488-8120

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Out of 5 Stars Based on 12 Reviews

Meet Jimmy Smith, a seasoned Loan Officer who transitioned into the mortgage industry in 2020 following a heartfelt decision prompted by his experience as a Registered Nurse and his mother’s battle with cancer. Motivated by a desire for change, he took the advice of a friend who was in lending and became a licensed Loan Officer. While no longer in health care, Jimmy quickly learned he is still able to help others and impact lives through homeownership.

Licensed in 13 states, he primarily serves clients in Michigan, Texas, and Florida. Although he works with all types of borrowers and has experience originating conventional, USDA Rural Development, FHA, VA, and Jumbo loans, he especially enjoys working with first-time homebuyers.

He has extensive knowledge of state and national down payment assistance programs such as the Texas State Affordable Housing Corporation (TSAHC) down-payment assistance initiatives, SETH programs, the Michigan State Housing Development Authority (MSHDA) programs, the Florida Housing Finance Corp loan programs, the Chenoa fund, and the National Down Payment Assistance program. Because of his expertise in first-time homebuyer loans and down payment assistance programs, Jimmy helps his clients eliminate the barrier to homeownership and get those coveted keys in hand!

With a naturally calm and relaxed demeanor, Jimmy aims to alleviate the stress that comes with a big financial decision. He ensures his clients feel supported throughout the mortgage process by providing clear and prompt communication, education on available loan options, and a little bit of fun along the way!

As a dedicated husband and father of two, he works hard for his family and his clients and appreciates how important home is. He will help his clients achieve their homeownership goals no matter how long it takes. He truly shares in his client’s sense of pride and excitement when he can navigate the market in a way that helps his clients save money and achieve the American dream of owning a home.

If you are ready to make a move, but don’t know where to start, contact Jimmy Smith!

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I am here to serve you and to tailor a loan that meets your needs.

Mortgage Programs Explained

There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.