Proudly serving Ohio & Tennessee
A Boutique Approach to Mortgage
Personalized Guidance.
Exceptional Results.
I built my practice on a simple belief — that every client deserves a mortgage advisor who listens first. I take the time to understand your full financial picture before recommending a single loan product.
Backed by NEXA Mortgage — the nation's largest independent brokerage — I bring access to over 100 wholesale lenders and the independence to always put your interests first.
If one lender creates an obstacle, I move the file and close the deal through another.
— Karinzo “Kimble” Smith, NMLS #2652699
Full-Spectrum Financing
Mortgage Solutions for Every Situation
From first-time homebuyer programs in Akron to DSCR investor loans in Memphis — Kimble offers the full range with access to close deals that banks turn away.
Home Purchase Loans
FHA, VA, USDA, Conventional & Jumbo — pre-approved in Ohio or Tennessee in as little as 24 hours.
Learn MoreMortgage Refinancing
Lower your rate, reduce payments, or unlock equity through a cash-out refinance across 100+ lenders.
Learn MoreSelf-Employed Loans
Bank statement, P&L, and 1099 loans — qualify on what you actually earn, no W-2 required.
Learn MoreDSCR Investor Loans
Qualify on rental income, not your W-2. LLC financing available. Close in as little as 14 days.
Learn MoreFix & Flip Loans
Short-term hard money for renovation investors. Close in as little as 10 days. ARV-based lending.
Learn MoreVA Loans
Zero down for Ohio & Tennessee veterans. Exclusively for those who served — the benefit you earned.
Learn MoreThe Kimble Advantage
Why Ohio & Tennessee Borrowers Choose Kimble
Kimble isn't limited to one bank's products. If one lender creates an obstacle, he moves the file and closes the deal through another.
100+
Wholesale Lenders
Through NEXA Mortgage — the #1 largest brokerage in the U.S. — Kimble shops every lender to find the program that fits your life, not just your paperwork.
24hr
Pre-Approval
Most clients receive a full pre-approval letter within one business day — strong enough to compete with cash offers in today's Ohio & Tennessee markets.
1st
Strategy, Then Loan
Before recommending any product, Kimble asks what you're actually trying to achieve — then reverse-engineers the right mortgage solution around your goals.
Strategy first. Loan second. Your goals drive every recommendation.
— The Kimble Smith Method
Simple & Transparent
Your Path to Homeownership
From first conversation to closing day — a clear, guided process every step of the way.
Free Consultation
A no-obligation conversation to understand your goals, timeline, and financial picture.
Pre-Qualification
Get a clear picture of your borrowing power so you can shop for homes with full confidence.
Loan Selection
The best loan options for your situation — explained clearly with no pressure.
Close & Celebrate
We handle the details and keep you informed until you have keys in hand.
Licensed & Ready
Serving Ohio & Tennessee
Licensed to help families and investors across two states find the right mortgage solution — from the suburbs of Columbus to the neighborhoods of Nashville.
Ohio
Tennessee
One Conversation Changes Everything
One Call Is All It Takes
Whether you're a first-time buyer in Cleveland, a self-employed entrepreneur in Nashville, a veteran using your VA benefit in Toledo, or an investor adding to your rental portfolio in Memphis — Kimble has the lender network, the strategy, and the experience to get you to closing.
No obligation. No pressure. Just a real conversation about your goals.
Karinzo “Kimble” Smith · NMLS #2652699 · Licensed in Ohio & Tennessee · Powered by NEXA Mortgage