About Nate Smith
Your home purchase is the most important purchase of your life. It's important to me too.
Nate's expertise caters to a wide range of borrowers, from first-time homebuyers navigating the process for the first time to experienced investors seeking financing for their next venture. He takes pride in educating his clients, ensuring they understand every step involved in securing a mortgage. Many clients remark on how Nate's clear explanations have provided valuable insights they hadn't received before. His dedication extends beyond individual clients, reflecting Towne First Mortgage's commitment to treating every borrower like family, prioritizing their needs and ensuring a smooth and positive experience.
When not guiding clients towards their dream homes, Nate enjoys catching waves while surfing, a passion he's held since his childhood spent by the beach. He also cherishes time spent fishing and camping with his family, traditions that continue to bring them joy year after year.
Hardworking, funny, and honest are just a few words that describe Nate. The best compliment for him is when satisfied clients recommend Towne First Mortgage to their loved ones, a testament to the positive experience he strives to create for everyone he works with.
Contact Nate today to discuss your homeownership goals and learn how his expertise and relatable approach can help you achieve them.
The Nate Smith Team
Why Choose Nate Smith?
★★★★★
"Nate and his wonderful team at Towne First Mortgage made our home buying process smooth and easy! This team did a phenomenal job at ensuring we stayed on top of our paperwork, and ensured we reviewed and understood each document that was assigned to us promptly. Communications between Towne First Mortgage was also outstanding, and I felt as if all my concerns and needs were being addressed in a timely, professional manner. I lastly enjoyed that Towne First uses an app for all of their documents under review or needing review. This made the process so simple and easy when we needed to obtain information from our portal. Thanks so much guys and gals! You all rock!"
- Evan M | April 24, 2024
★★★★★
"Working with Nate was nothing short of a wonderful, valuable, and educational experience. My partner and I thoroughly enjoyed workign with Nate and being able to meet him during this process. We have found a true financial partner in him to assist us with our mortgage needs now and into the future. Nate took the time to explain each step and answered any questions we had. The entire process was streamlined, well laid out, and very easy for us to navigate. THANK YOU NATE for all of your help and assistance. We will look forward to working with you again in the future; and will be sure to refer others to you for their mortgage needs."
- Charles J M | April 11, 2024
★★★★★
"Nate did a great job leading us through the lending process for our recent home purchase. He demonstrated an abundance of skill, experience, and insight with the market. Would highly recommend him to anyone seriously considering buying a new house."
- Craig C | December 29, 2023
Awards
Richmond Mortgage Bankers Association board for the last 7 years, holding different positions of Treasurer, Vice President, and President. On the state board, the Virginia Mortgage Bankers Association, for the last several years holding different positions of Treasurer, Vice President and President (2020-2021).
Client Tools
Ready to take the next step?
Calculate Your Monthly Payment
Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
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- *Estimated, not including taxes and insurance.
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Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 12/24/2025. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
Contact Nate Smith
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Phone
804-337-7014Areas Nate Serves
I’m available for all your mortgage needs in the following states: