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Branch Manager | Loan Advisor

Roger Smith

NMLS #287407 | CalBRE #01323058

Branch Manager | Loan Advisor • Oakland Branch

Phone: 510.339.4300 x106
Fax: 855.842.2308
Licensed in CA 

About Roger


ROGER SMITH

  • 30+ Years Crocker Highlands Resident
  • Native San Franciscan
  • Graduated University of San Francisco – Bachelor of Science in Marketing
  • 40+ Years Business Career in San Francisco Bay Area
  • Past experience includes sales and marketing for Nike and S.F. Giants.

Vision Statement
My promise to each and every client is honest, straight forward communication. I provide personal, ethical service to every client. I take time to describe each product and ultimately determine what’s right for each individual. My business is built from referrals from satisfied, loyal past customers.

As a lifelong native of the Bay Area my business is based in our community. I am committed to making it a better place to live. To that end I am involved on a volunteer basis in several community based non-profit organizations. I have been involved in youth sports, mentoring and coaching for over 40 years.


Branch Address:
6201 Antioch Street, Suite 200 Oakland, CA 94611

What our customers are saying...

“I have known Roger for more than 5 years now. Roger is more than just a mortgage broker, he is a friend. Roger is a person who listens to the needs of his clients and uses his experience and knowledge of the marketplace to obtain excellent results. He is a consummate professional and has his hand in every transaction making sure that he provides excellent service with uncompromising integrity.”

Lori Endo – Title Officer Old Republic Title

“Roger has now refinanced for my family members and me at least six times and each time he delivered excellent service. During the last refinance, with interest rates inching up, I was sure he wouldn’t be able to hold my rate until close. However, I know his word is rock solid and he delivered what he promised.”

Nina Leslie

“Roger kept us fully informed and we always felt that he was watching out for us in all respects. He delivered exactly what he promised, when he promised it. We felt supported throughout the process. In something as important as our home mortgage, it was good to know that he was there.”

Arthur Levy, Attorney-At-Law

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog