Jon Smith
Originating Manager at Guaranteed Rate Affinity, LLC · Winter Springs, FL
NMLS ID 196479 (opens in a new tab) · verify at NMLS Consumer Access
Jon Smith (NMLS 196479) is Originating Manager at Guaranteed Rate Affinity, LLC, based in Winter Springs, FL. Licensed in Florida, confirmed with the state regulator (license LO1469). Focus areas shown on the lender page: Self-employed, Real estate investor, VA loan and First-time buyer. Earliest state license record: January 13, 2011 (Florida), per state regulator.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator, the loan officer's recorded intro and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 13, 2011 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 1 state
- Video intro
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: Self-employed(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
- Focus: VA loan(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO1469, first effective 2011-01-13), verified 2026-10-15.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Winter Springs, FL · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Video intro available
Jon has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.
Watch on Guaranteed Rate Affinity, LLC's site (opens in a new tab)
The recording is hosted and published by Guaranteed Rate Affinity, LLC. We don't copy or transcribe it. Verified 2026-10-15.
About
Jon Smith has 25+ years of experience and focuses on first-time buyers, veterans, self-employed borrowers and investors across the Orlando area.
Our summary of the lender page. Verified 2026-10-15.
- Credentials
- Top 1% Scotsman Guide originator; multiple industry awards
- Source (opens in a new tab), verified 2026-10-15
- Serves
- Orlando, Dr. Phillips, Winter Park, Oviedo, Winter Springs, Winter Garden
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Video intro | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Jon Smith (NMLS 196479), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/jonathan-smith-196479, last verified 2026-10-15.
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