I’m here to help you buy your next home

I'm an expert in your market, with years of experience partnering with homebuyers, real estate agents, and everyone involved in the process to provide a hassle-free home financing experience. How can I help you with your home financing needs?

I'm licensed in the following states: Florida

Cheryl Smith

Cheryl Smith, Mortgage Loan Officer

NMLS ID # (844) 457-8564 support@morty.com

Contact Me

A Seamless Process

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Find your rate . Instantly find the most competitive deal from over 25 lenders in our network.

Task List

Get pre-approved . Complete a simple online application to receive a fast pre-approval, giving you confidence and bargaining power in your home search.

Home

Close with ease . Enjoy a streamlined closing process with digital tools and expert support, making finalizing your mortgage quick and hassle-free

How it works

Homebuying Resources

Financing partnership, the way it should be

Tips for First-Time Home Buyers in Florida

Tips for First-Time Home Buyers in Florida

Essential insights for Florida homebuyers, including an in-depth look at the mortgage process, how Morty simplifies the journey with low rates and personalized support from local loan officers, and information on Florida's down payment assistance (DPA) programs to make homeownership more accessible.

Mortgage Rates Today

We search thousands of loan options so you don't have to! Find the most competitive rates here including: 15, 20 and 30-year fixed rates, 10/6, 7/6 and 5/6 ARMs, FHA, Jumbo, low down payment options and more. Create an account to customize your loan options and track daily interest rates.

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Testimonials

Supporting Homebuyers

Supporting Homebuyers

“Flawless customer support that other companies only aspire to achieve. We appreciated their patience, responsiveness, and assistance every step of the way. Working with this team was nothing but pleasure. Thank you very much indeed!”

Alexander P

“I highly highly recommend them to anyone in the market. They'll get you to closing on time and provide great support along the way!”

Tammy B

“I'm SOLD. They followed me all the way to closing and their online stage-by-stage guide was very easy to understand and I could do 100% by online signature. GAME CHANGER!”

Israel K

“I was able to lock in the best rate for my loan and I was cleared to close well ahead of my set closing date. [They] helped me fully understand the terms of the loan and [were] available constantly to answer my questions.”

Nathalie S

“Strongly recommend Morty. Fast service, professional, low rates. I will never shop for a loan elsewhere.”

Phi T

“They offered us the best deal (and I shopped around a lot). Their mortgage calculator tool was easy and useful. Their closing checklist was straightforward and very helpful. Their team was super responsive to all my emails.”

Lara D