Mortgage Banking

Licensed as a mortgage banker, Ray S. Smith and the associates at Stafford Smith Commercial Realty assist clients in locating financing to either fund their purchases or refinance their existing debt. The concentration is on commercial financing as a specialty to the mortgage banking industry. Ray S. Smith has also been instrumental in the starting and ownership of a local commercial bank, The Tinton Falls State Bank. Our experiences include locating funds for such hard to finance projects as restaurant acquisition, lease-hold improvements and tenant fit-up.

In addition, Stafford Smith Commercial Realty has successfully arranged several creative programs, i.e. build to suit against lease with purchase option. This unique program developed by Ray S. Smith, provides a customer with the exact facility they desire, in the location they choose, with a limited amount of up-front cash, knowing that they will own the facility they design within a five to ten year period.