About

I became a lender so people wouldn’t get handed off.

YOUR PHOTO GOES HERE

I didn’t grow up in real estate. I studied agriculture, worked in it for a few years, and somewhere along the way got completely hooked on real estate investing — reading everything I could find, running numbers on deals on the side, asking better questions than the ones I was supposed to be asking.

Then I started teaching what I’d learned to the people around me — friends, family, people in my network who wanted to buy their first home or their first rental and had no idea where to start. I kept hitting the same wall: I could walk someone all the way up to the point of financing, and then I’d have to hand them off to a stranger who didn’t know anything about their situation.

So I became a lender.

Now I can take someone from “I think I want to do this” all the way through closing, without handing them to somebody who doesn’t know their story. I work with first-time buyers, repeat buyers, and real estate investors across Utah and Idaho, and on investor and business-purpose deals nationwide. My job is to tell you honestly what you qualify for, what it costs, and when something isn’t a good idea — even if that means walking away from a deal.

Explore loan options

Buying or refinancing a home

Compare purchase and refinance options in Utah and Idaho.

Investing or financing a business

DSCR, fix-and-flip, and business-purpose financing, available nationwide.

Want to talk through your situation?

Fifteen minutes, no pitch. I’ll tell you honestly what your options are.

Loans with Matthew Smith

Matthew Smith · NMLS #2852905
NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690
Licensed in Utah and Idaho.

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Funding timelines vary by borrower, property, and circumstance, and are not guaranteed. This is not a commitment to lend or an offer of credit. All loans subject to credit approval, income and asset verification, and underwriting. Rates, programs, and down payment assistance amounts change without notice and are subject to availability — confirm current terms before relying on any figure on this site. Nothing on this site is tax, legal, or investment advice; consult a qualified professional about your specific situation. Residential mortgage products are offered in Utah and Idaho only. Commercial-purpose and business-purpose financing (including DSCR and investor loans) is not consumer credit and is not subject to consumer mortgage protections such as TILA/RESPA.

⌂ Equal Housing Opportunity. NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/