Our Team


NMLS 2243009 | Licensed in Florida
E: Kara.Smith (at) RitterMortgage.com
D: 904-618-3200

Kara Smith

Home Loan Specialist

As a Home Loan Advisor, Kara Smith is well-equipped to provide the kind of top-notch service clients deserve. Service, after all, is a huge part of her life as a pastor’s wife. Kara’s natural desire to help others is augmented by her experience in the mortgage industry, a background in the field of education, and a degree in communication. She stands ready to serve as a guide throughout the loan process, ensuring her clients know what is happening and are kept informed along the way.

“I am excited to educate people and help them make the best real estate decisions. I love connecting with people. I am highly organized and love processes and thinking outside of the box to find solutions.”

Kara and her husband enjoy family time with their four children, who are active in football, dance, karate, and church activities. They reside in St. Augustine, FL and love camping throughout the southeast as well as snorkeling and diving in the Florida Keys!