Smarti solutions for all of your property financing needs.
Many lenders pick from a standard menu and fit you into whatever's easiest. I dig into your goals and your challenges first, then find the loan that's truly best for you. Over 30 years of mortgage experience on your side, based in Venice and serving clients across Florida.
Loans for today · Possibilities for tomorrow
Every story is different. Every loan should be, too.
Every loan type, the right fit
Conventional, FHA, VA, jumbo, Non-QM, home equity and more: I work with every type of loan available. What matters is matching the right loan to the right buyer and the right property, built around your transaction and your goals, not whatever product is easiest.
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Business owners & self-employed
Too often, long-time business owners get pushed into higher-rate non-conforming loans just because they don't have W-2s, and many lenders won't take the time to work through tax returns. I love that puzzle. Multiple years of returns, multiple income streams: I dig in to establish your creditworthiness and work to get you into a conforming loan whenever possible, which can mean a lower rate than many non-conforming options.
First-time homebuyers
Through my own kids, the Venice High boosters and my work around the Venice community, I've seen how hard it is for young people to buy that first home. Where other lenders say "come back later," I work with you to get ready, sometimes over months or even years: building your credit, managing a budget and setting goals, so you're ready when the time comes.
Smarti solutions for all of your property financing needs
Purchase
Your first home, your next home, a second home or a move to Florida, with a loan that fits the way you live.
Refinance
A mortgage health check for the loan you already have, whether that means better terms or a new plan.
HELOC
A home equity line of credit puts your equity to work for improvements and big goals, as you need it.
Reverse Mortgage
For eligible homeowners 62 and older: use your home's equity while you keep living in the home you love.
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A true expert on your team, not a one-size-fits-all loan
A lot of the mortgage world works from a standard inventory: pick the easiest product and make it fit. I work the other way around. I start by understanding your needs, your challenges and your goals, and then I find the loan that fits you.
Let's talk
We'll go over your goals, your budget and your timeline. No pressure, just a plan.
See where you stand
Start your pre-application online. It only takes a few minutes, and it's the easiest way to get the ball rolling.
Build the plan
Ready now or getting ready, we'll map out the steps together. If "ready" is a year away, we'll work on your credit, your budget and your goals until it isn't.
Keys in hand
I'll keep you posted from application to closing, and your secure portal keeps your documents moving. Then the keys are yours.
Over 30 years in mortgage lending, rooted in Venice
"Let's make sure to touch base and do your mortgage health check from time to time. Whether it's financing your next home, improving your current mortgage terms or financing future improvements, I'm always here as a resource for you."Sherry Marti
- Wrote her first loan at 19
- Former underwriter and wholesale account executive
- Based in Venice, serving all of Florida
- Venice High boosters and BNI member
Ready when you are
Whether you're ready to start today or just want to talk it through, I'm here. I'm based in Venice and work with clients throughout Florida.