Proudly serving Ohio & Tennessee
NMLS Licensed
#2652699
Powered By
NEXA Mortgage LLC
Role
Mortgage Loan Officer
Serving
Ohio & Tennessee
My Story
Strategy First. Loan Second.
Before recommending any product, Kimble asks one question: what are you actually trying to achieve? From there, he reverse-engineers the right mortgage solution around your goals — not just your credit score or last year's tax return. Most clients are pre-approved within 24 hours. Many close in as little as 14 to 21 days.
Kimble is powered by NEXA Mortgage — the #1 largest mortgage brokerage in the United States by loan officer headcount, with access to 100+ wholesale lenders nationwide. If one lender creates an obstacle, he moves the file and closes the deal through another.
He works with first-time buyers in Columbus and Akron, investors building rental portfolios in Nashville and Memphis, and self-employed business owners across both states who've been turned down elsewhere.
Powered By
NEXA Mortgage
#1 Largest Mortgage Brokerage in the U.S. by Headcount
Founded 2017 | HQ: Chandler, Arizona
3,350+ Licensed Loan Officers Nationwide
Access to 100+ Wholesale Lenders
Wholesale + Correspondent Hybrid Model
Company NMLS #1660690
Karinzo “Kimble” Smith · NMLS #2652699 · Ohio & Tennessee
My mission is simple — to help every client find the right mortgage solution with honesty, expertise, and care. Your dream home is my commitment.
— Karinzo Smith, NMLS #2652699
Full-Spectrum Financing
How I Can Help You
Solutions for every stage of your homeownership journey
First-Time Homebuyer Loans
FHA, USDA, Conventional, low down payment — for buyers in Ohio & Tennessee starting their homeownership journey.
VA Loans — Zero Down
Exclusive for Ohio & Tennessee veterans. Use your earned benefit with zero down payment and no PMI.
Mortgage Refinancing
Rate reduction and cash-out equity access. Shop 100+ lenders to ensure you always get the most competitive terms.
Bank Statement Loans
For self-employed borrowers in OH & TN. Qualify using 12–24 months of deposits — no W-2 or tax returns needed.
DSCR Investor Loans
Qualify on rental income, not your W-2. No income docs. LLC financing. Close in as little as 14 days.
Fix & Flip Loans
Short-term hard money and bridge financing for renovation investors. ARV-based lending. Close in as little as 10 days.
Licensed & Ready
Proudly Serving Ohio & Tennessee
Ohio
Hudson · New Albany · Dublin · Upper Arlington · Strongsville · Mason · Columbus · Akron · Cleveland
Tennessee
Nashville · Brentwood · Franklin · Germantown · Collierville · Memphis · Knoxville · Murfreesboro
Memphis FHA 203(k) & DPA Focus
Binghampton • Orange Mound • University/Normal Station • Whitehaven/Oakhaven • North Memphis