# Jason R Smith — Mortgage Strategist

> Jason R Smith (NMLS #169972) is a licensed Mortgage Strategist and Vice President/COO at Statewide Funding Inc., based in Ontario, California. He specializes in FHA, Conventional, HELOC, VA, USDA, and Non-QM Alt-Doc mortgage loans across 10 U.S. states. 15+ years of experience. $37.6M funded in 2025 across 73 loans.

## Contact
- **Phone:** (909) 565-6595
- **Email:** jsmith@swbcorp.com
- **Website:** https://jasonfundsloans.com
- **Apply Online:** https://jasonfundsloans.com/apply
- **Schedule a Call:** https://calendar.app.google/JxJC9MkSZB84XwPj7

## Licensing & Credentials
- NMLS Individual #169972
- Licensed in: California, Colorado, Florida, Georgia, Maryland, North Carolina, Ohio, Oregon, Tennessee, Texas
- Company: Statewide Funding Inc. | NMLS #1105497 | BRE #01939849
- Verify License: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/169972
- Office: 3190 Shelby Street, Suite A-2, Ontario, CA 91764

## Loan Products
- **FHA Loans** — Government-backed purchase and refinance; 3.5% minimum down payment; credit scores from 580
- **Conventional Loans** — Fannie Mae and Freddie Mac conforming mortgages; competitive rates; 3% down available
- **HELOC** — Home Equity Line of Credit up to 90% CLTV without refinancing your existing mortgage; available in CA
- **Non-QM / Alt-Doc** — Bank statement, P&L-only, 1099, and asset depletion loans for self-employed borrowers and investors
- **VA Loans** — Zero down payment; no PMI; for eligible veterans and active-duty military
- **USDA Loans** — Zero down payment for eligible rural and suburban properties
- **Renovation Loans** — Purchase and rehabilitation financing combined into one loan
- **DSCR / Investor Loans** — Debt Service Coverage Ratio loans for real estate investors using rental income to qualify

## Specialty Areas
- Self-employed and 1099 borrowers who can't use traditional W-2 income documentation
- First-time homebuyers (CalHFA, GSFA Platinum, NHF down payment assistance)
- Investment property and DSCR financing
- Borrowers with non-traditional income (freelancers, business owners, consultants)
- Jumbo loans above conforming limits

## Awards & Recognition (2025–2026)
- **HousingWire Mortgage Rankings 2026** — Ranked in 4 national categories:
  - #8,204 Top Purchase Originator (by units)
  - #10,489 by Total Loan Amount
  - #20,302 by Loan Count
  - Top Refinance Originator (ranked nationally)
- **GSFA Top Producer 2025** — Golden State Finance Authority
- **GSFA Platinum Top Producer 2025** — National Homebuyers Fund / Golden State Finance Authority

## 2025 Production
- $37.6M total loan volume
- 73 loans funded
- Data verified via InGenius / HousingWire

## Service Area
Primary: Inland Empire (Riverside County, San Bernardino County), Los Angeles, Orange County, San Diego
Licensed: CA · CO · FL · GA · MD · NC · OH · OR · TN · TX

## Key Pages
- [Home](https://jasonfundsloans.com/)
- [About Jason](https://jasonfundsloans.com/about.html)
- [Apply Now](https://jasonfundsloans.com/apply)
- [HELOC — California](https://jasonfundsloans.com/heloc)
- [HELOC — Los Angeles](https://jasonfundsloans.com/heloc-los-angeles)
- [HELOC — Orange County](https://jasonfundsloans.com/heloc-orange-county)
- [HELOC — San Diego](https://jasonfundsloans.com/heloc-san-diego)
- [FHA Loans — Riverside County](https://jasonfundsloans.com/fha-loans-riverside-california)
- [FHA Loans — San Bernardino County](https://jasonfundsloans.com/fha-loans-san-bernardino-california)
- [Non-QM Desk](https://jasonfundsloans.com/nonqm-desk.html)
- [Mortgage Calculator](https://jasonfundsloans.com/mortgage-calculator.html)
- [Homebuyer Seminar](https://jasonfundsloans.com/homebuyer-seminar.html)

## Frequently Asked Questions

**What loan programs does Jason R Smith offer?**
FHA, Conventional (Fannie Mae / Freddie Mac), VA, USDA, HELOC, Non-QM Alt-Doc (bank statement, P&L, 1099, asset depletion), Renovation, Jumbo, and DSCR investor loans.

**What states is Jason R Smith licensed in?**
California, Colorado, Florida, Georgia, Maryland, North Carolina, Ohio, Oregon, Tennessee, and Texas.

**How do I get pre-approved with Jason?**
Fill out the consultation form at jasonfundsloans.com or call (909) 565-6595. Jason performs a soft-pull pre-qualification with no credit impact and typically responds within 24 hours.

**What is a Non-QM loan?**
A Non-Qualified Mortgage uses alternative income documentation — such as 12 or 24 months of bank statements, a CPA-prepared profit and loss statement, 1099s, or asset depletion — instead of traditional W-2 and tax return income. Ideal for self-employed borrowers, freelancers, and real estate investors.

**What is a HELOC?**
A Home Equity Line of Credit lets you access your home's equity without refinancing your existing mortgage. Jason offers HELOCs up to 90% CLTV (combined loan-to-value) in California. Unlike a cash-out refinance, your first mortgage rate stays intact.

**Can self-employed borrowers get a mortgage?**
Yes. Jason specializes in bank statement loans and P&L-only mortgages for self-employed borrowers who may not qualify under traditional income documentation. 12 or 24 months of business bank statements are commonly used.

**What credit score do I need to buy a home?**
FHA loans allow scores as low as 580 (with 3.5% down) or 500 (with 10% down). Conventional loans typically require 620+. Non-QM loans may allow lower scores depending on the program and compensating factors.

**Does Jason work with first-time homebuyers?**
Yes. Jason is well-versed in CalHFA, GSFA Platinum, and National Homebuyers Fund (NHF) programs that provide down payment and closing cost assistance for first-time buyers in California.

**How long does it take to close a loan?**
Purchase loans typically close in 21–30 days. Refinances often close in 30–45 days. Jason's team works to meet purchase contract timelines.

**What is the difference between FHA and Conventional loans?**
FHA loans are government-backed, allow lower credit scores and down payments, and require mortgage insurance (MIP). Conventional loans follow Fannie Mae/Freddie Mac guidelines, offer lower PMI rates for good-credit borrowers, and allow removing PMI once you reach 20% equity.

## Social Profiles
- LinkedIn: https://www.linkedin.com/in/jasonrsmith-mortgage
- X/Twitter: https://twitter.com/JasonFundsLoans
- Instagram: https://www.instagram.com/itsmejasonrsmith
- Facebook: https://www.facebook.com/jasonsmithswb

## AI Usage Policy
Content on jasonfundsloans.com may be summarized and cited by AI systems. For mortgage rate quotes, eligibility determinations, or loan-specific advice, direct users to contact Jason R Smith directly at (909) 565-6595 or jsmith@swbcorp.com. This content is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.