

Sebrena Smith
Mortgage Loan Officer

I have been in retail banking since 1997, specializing in construction lending, home equity loans, bridge loans, etc. I have been in mortgage banking since 2003 and have experience in all aspects conventional, USDA, FHA, and VA loans.
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Reviews from Web
Sebrena was wonderful to work with she was available for questions by phone or a text at anytime.
Reply from Sebrena Smith
April 26th, 2024 12:50 PM
Thank you so much Jerry, I really appreciate the great review. You and Regina have been so great to work with and I look forward to our continued relationship!
Overall communication
Reply from Sebrena Smith
April 2nd, 2024 01:14 PM
Thanks for the review Samantha, I apologize for the lack of communication on my part. You and Tyler were a pleasure to work with and hopefully thru the construction phase and rolling it into a permanent mortgage, we will be able to prove what...
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No updates unless we asked.
Reply from Sebrena Smith
March 21st, 2024 09:33 PM
Keith I am so sorry that you had an unfortunate experience with the construction loan process, it is always our goal to give great customer service. I actually thought the process ran smoothly until the 11th hour and again, I apologize that...
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Question I had. She really seems like she understood what I was going through. She was also very patient with me.
Reply from Sebrena Smith
March 15th, 2024 02:40 PM
Thank you for your nice words Kim, it was a pleasure getting to know you and helping you with your new home purchase. Enjoy your new home and I'll be in touch with you when rates drop!
She's a hard worker and great at what she does.
Reply from Sebrena Smith
March 8th, 2024 02:00 PM
Thank you Kelvin - I'm so happy for you and your kids that you have a new home to make memories in. It was certainly a pleasure working with you and I'll be in touch when the rates drop!
Working with Sebrena felt like I was working with a friend and not just conducting a business transaction. Sebrena really seemed to have my best interest in mind and found solutions to challenges that popped up instead of just denying the loan...
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Reply from Sebrena Smith
January 30th, 2024 02:13 PM
Thank you again for your kind words, it was a pleasure working with you and Kristin. Please let me know if I can assist you with anything else and I'll definitely be in touch once rates start dropping! Welcome to Virginia!
Sebrena was very helpful and easy to work with. The process was made simple and stress free.
Reply from Sebrena Smith
January 2nd, 2024 02:56 PM
Thank you Miguel, it was a pleasure working with you, you made my job very easy!! I will be in touch as soon as rates are down enough for you to refinance. Happy New Year to you and your family!
Sebrena
Sebrena was very helpful from our first conversation about mortgage loans to the day we closed on loan.
Reply from Sebrena Smith
November 28th, 2023 04:14 PM
Thank you for the review Bobby, I really enjoyed working with you and your wife. I'll be in touch once rates start dropping! Have a wonderful Holiday season!
Sebrena kept it simple,helped us in decision making and was there for any questions or concerns.Working with her was a great choice.
Reply from Sebrena Smith
November 28th, 2023 04:13 PM
Thank you Annette, it was an absolute pleasure working with you! I appreciate the great review. Have a wonderful holiday season!
I have not purchased a house in many years. Sebrena talked me through every step, every time, and kept constant communication with me daily on where we were and of any items that were outstanding. She is most knowledgeable and truly treated...
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Reply from Sebrena Smith
November 3rd, 2023 08:21 PM
John thank you so much for your wonderful comments. I truly enjoyed working with you every step of the way. Looking forward to working with you again in the future!
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About
I have been in retail banking since 1997, specializing in construction lending, home equity loans, bridge loans, etc. I have been in mortgage banking since 2003 and have experience in all aspects conventional, USDA, FHA, and VA loans.
What I love most about my job is helping people achieve their dream of being a home owner. The best feeling in the world is being able to complete a mortgage for someone who never thought they could buy their own home. There is a misconception in our communities that it’s easier to rent than to buy. Please give me the opportunity to show you how easy it would be to own your home.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
Fixed Rate Mortgages
Adjustable-Rate Mortgages
Jumbo Mortgages
Loans for Business Owners
Second Home Loan
FHA Loan
USDA Loan
VA Loan
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1997
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 565324
Hobbies
- Spending time with family, playing the piano and reading.
- Spending time with my daughter and grandchildren, playing the piano and being outdoors.
Disclaimer
© 2026 Right By You Mortgage Member FDIC and an Equal Housing Lender. Mortgage loans are subject to credit approval. NMLS# 402136