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Proudly serving clients across New York, Florida, Georgia and New Jersey.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Experience, communication and an easy to use app simplified the process. BrentRochester, NY Aug 11
Experience, communication and an easy to use app simplified the process.
Rating: 5.0 out of 5.0 from Encompass Very Smooth Transaction! Keith BPalmyra, NY Aug 09
Very Smooth Transaction!
Rating: 5.0 out of 5.0 from Encompass Very helpful and understanding working with first time home buyers, from the pre approval to the closing. Will recommend to anyone buying a home. Luigi RaymondRochester, NY Aug 07
Very helpful and understanding working with first time home buyers, from the pre approval to the closing. Will recommend to anyone buying a home.
Rating: 5.0 out of 5.0 from Encompass Every time I had a question it was addressed promptly.I was very happy to do business with you. Ronald L.Webster, NY Jul 21
Every time I had a question it was addressed promptly.I was very happy to do business with you.
Rating: 4.8 out of 5.0 from Encompass The communication throughout the process was great! RachelSpencerport, NY Jun 22
The communication throughout the process was great!
Rating: 5.0 out of 5.0 from Encompass Jason Smathers and the AnnieMac Team were wonderful to work with. The attention to detail, assistance every step of the way, prompt responses to questions. My clients have been very happy with the Cash2Keys program. It has helped both families make their purchase of a new home and sale of the existing home a smooth process. AngelaSpencerport, NY Jun 19
Jason Smathers and the AnnieMac Team were wonderful to work with. The attention to detail, assistance every step of the way, prompt responses to questions. My clients have been very happy with the Cash2Keys program. It has helped both families make their purchase of a new home and sale of the existing home a smooth process.
Rating: 5.0 out of 5.0 from Encompass Jason helped us to understand how the program worked and was always available when questions needed to be answered. He is knowledgeable , professional and kind. We appreciate our realtor Angela Penkin connecting us with Jason so that we could have the opportunity to use this program and be provided the excelle... HeatherRochester, NY Feb 12
Jason helped us to understand how the program worked and was always available when questions needed to be answered. He is knowledgeable , professional and kind. We appreciate our realtor Angela Penkin connecting us with Jason so that we could have the opportunity to use this program and be provided the excelle...
Rating: 4.3 out of 5.0 from Encompass Jason was always available to me either by phone or text to answer any concerns or questions I had about the mortgage application process. He helped make my first home buying experience less daunting. SharonRochester, NY Feb 06
Jason was always available to me either by phone or text to answer any concerns or questions I had about the mortgage application process. He helped make my first home buying experience less daunting.
Rating: 5.0 out of 5.0 from Encompass Jason was excellent as well as the support team. Jason took the time to explain how program works with both myself, wife and agent at the same time. Jason even did this at our convenience after our work hours. Jason and team kept us informed throughout the entire process from start to finish . For the program itself. It is an outstanding program f... RobertRochester, NY Feb 06
Jason was excellent as well as the support team. Jason took the time to explain how program works with both myself, wife and agent at the same time. Jason even did this at our convenience after our work hours. Jason and team kept us informed throughout the entire process from start to finish . For the program itself. It is an outstanding program f...
Rating: 5.0 out of 5.0 from Encompass Professional, answered the phone, got the job done. KeremNewark, NY Dec 08
Professional, answered the phone, got the job done.
Rating: 5.0 out of 5.0 from Encompass This has to about the 6th original mortgage or refinance with Jason and every single one has gone well so there is no reason why we wouldn't return for another one when we need it. Lindsay OWellesley Island, NY Nov 22
This has to about the 6th original mortgage or refinance with Jason and every single one has gone well so there is no reason why we wouldn't return for another one when we need it.
Rating: 5.0 out of 5.0 from Encompass Easy to work with. DavidGreece, NY Oct 05
Easy to work with.
Rating: 5.0 out of 5.0 from Encompass Jason is an absolute plmeasure to work with and his experience and knowledge and professional manner exceeds above the industry standard. I know when I refer my clients to Jason, I can rest assure my clients are going to be very pleased and have a wonderful experience. ElizabethMount Morris, NY Aug 28
Jason is an absolute plmeasure to work with and his experience and knowledge and professional manner exceeds above the industry standard. I know when I refer my clients to Jason, I can rest assure my clients are going to be very pleased and have a wonderful experience.
Rating: 4.5 out of 5.0 from Encompass Mostly because they made it happen. I would only say as a negative that it didnt happen as fast as they said and that there are tons of paperwork. But happy with end result. Stephen L.Webster, NY Jul 21
Mostly because they made it happen. I would only say as a negative that it didnt happen as fast as they said and that there are tons of paperwork. But happy with end result.
Rating: 4.5 out of 5.0 from Encompass Fast and easy closing AnthonyRochester, NY Jul 21
Fast and easy closing
Rating: 5.0 out of 5.0 from Encompass Great smooth transactio! Keith BWaterloo, NY Jul 03
Great smooth transactio!
Rating: 5.0 out of 5.0 from Encompass The professionalim and communication were above average and it made the entire process smooth. TaylorHenrietta, NY Jul 01
The professionalim and communication were above average and it made the entire process smooth.
Rating: 4.7 out of 5.0 from Encompass Generally easy to work with, wanted more phone call directly instead of emails when there was a problem but ovreally it got done! Carol JRochester, NY Jun 29
Generally easy to work with, wanted more phone call directly instead of emails when there was a problem but ovreally it got done!
Rating: 5.0 out of 5.0 from Encompass Jason Smathers is extremely helpful and has great communication. PhilipRochester, NY Jun 02
Jason Smathers is extremely helpful and has great communication.
Rating: 5.0 out of 5.0 from Encompass Tony is always a pleasure to work with. He is quick, thorough, patient, and knowledgeabl. I always love to work with him. AryneAlden, NY May 19
Tony is always a pleasure to work with. He is quick, thorough, patient, and knowledgeabl. I always love to work with him.
Rating: 4.8 out of 5.0 from Encompass The constant communication and efficiency! SheilaRochester, NY Apr 11
The constant communication and efficiency!
Rating: 5.0 out of 5.0 from Encompass Jason is a good guy! James RLivonia, NY Apr 11
Jason is a good guy!
Rating: 5.0 out of 5.0 from Encompass Communication, timeliness, and just overall an excellent experience working with Jason Smathers at AnnieMac Home Mortgage. Corey DRochester, NY Apr 11
Communication, timeliness, and just overall an excellent experience working with Jason Smathers at AnnieMac Home Mortgage.
Rating: 5.0 out of 5.0 from Encompass Faat and professional KenonRochester, NY Apr 11
Faat and professional
Rating: 5.0 out of 5.0 from Encompass Highly recommend! Jason and Michele are knowledgeable and very helpful Kelly C.Hilton, NY Mar 05
Highly recommend! Jason and Michele are knowledgeable and very helpful