About

I love helping my neighbors discover their buying potential and creating new neighbors!

Justin's Family

Justin Smith

NMLS #1644985
Several years ago, I decided it was time to do something more with my career. I wanted the opportunity to start more than just a company, to really make a difference in my community. After working as a loan originator up until last year, I knew it was time to focus on faith, family, and others. That's when I started CBGC Mortgage. Derived from the first letter of each of my four children's names, and with the support of my amazing wife, Stacey, CBGC was created for the purpose of helping others.

At CBGC, we won't turn our back on people with low credit scores, tough circumstances, or a history of complicated issues. I want this company to support our incredible community. Beyond our sponsorship of local schools and events, the ultimate goal is to create a charitable arm of CBGC that helps aid the homeless population in St. Augustine and beyond. The wheels are in motion and I can't wait to see what the future brings!
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Wonderful Kids
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Married
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Loans Closed in 2022
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Years in WGV
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Client at a Time

Michael Russell

NMLS# 1955384

Michael is originally from New York, but his fathers family is all from Kentucky. Having a passion for the Bluegrass state Michael eventually migrated here for college then proceeded to move around the country for work in the hospitality industry. Maintaining a passion for real estate investing Michael was drawn into wholesale loan origination upon his return to Lexington to raise his 3 sons with his wife Diane.

“For me the greatest deal is the one that benefits everyone, we as brokers have to be aggressive in finding the optimal and most competitive deals for our clients. I thrive on being able to do this in ways that retail lenders simply cannot, providing a unique set of benefits to our clients”

Whether a purchase or a refinance, whether highly qualified or somewhat challenged Michael prides himself in going out of his way to meet the individual needs of each and every client. Recognizing each situation is different and there is no one size fits all scenario, Michael will work with you to craft the perfect financial plan for your mortgage, all while receiving highly personalized service, faster than most people think is possible!


Jeremy Hodges

NMLS# 1764152

Jeremy Hodges is proud to be part of the CBGC Mortgage LLC team. Born and raised in Tennessee, he has resided in North Florida for the past 14 years, calling St. Augustine home for 12 of those. He and his wife, Samantha, have been married for almost 13 years and are the parents of three wonderful children. Jeremy is an involved member of his community, coaching baseball and football for the Villages Athletic Program, and the family is active in their church. With a background in the energy industry, Jeremy is ready to start giving back more to the community by providing hassle-free mortgages to people looking for the homes of their dreams.


Jay Kobitter

NMLS# 1941643

Born and raised in the Chicago area, Jay developed a strong work ethic and a focus on customer service at a young age. As a serial entrepreneur, Jay put himself through college, remodeling homes on the North Shore of Chicago. He earned a degree in Business Administration from the University of Illinois and later an MBA from the Kellogg School of Management.

Jay spent 25 years in a variety of customer-focused executive leadership positions, leading global teams and developing optimized customer solutions. In 2015, Jay and his family relocated to St. Johns, FL and he became a licensed Realtor where he collaborated with CBGC.

In 2019,  Jay relocated to the Woodlands, TX area and joined CBGC Mortgage.  His passion for real estate led him to become a Mortgage Loan Officer allowing him to provide support to Realtors and help guide clients through the mortgage process. As an MLO, Jay brings an attention to detail, financial acumen, and a commitment to timely communication.


Matt McCracken

NMLS# 2102873
Matt resides near Pittsburgh, PA with his wife and 11 year-old step-daughter. He enjoys spending time traveling with his family, fishing or caring for his beloved Australian Cattle Dog, Brody. When not busy working to help his clients, Matt coaches his daughter’s soccer team, hones his woodworking skills and is an avid movie buff. He is also highly proficient in telling “dad jokes” and finding odd things for sale on Facebook Marketplace.

Chris Childers

NMLS# 326256
I have developed business relationships with realtors, builders, and many individual clients over the past 20 years. My customers are the lifeline of my business, and I pride myself on delivering first class service on every single loan transaction. The majority of my clients have originated multiple loans with me over the years. I am also a licensed realtor and extremely adept at custom remodels on primary residences, 2nd homes and investment properties, as well as the loan programs that accompany these projects.

Ryan Greenewald

NMLS# 2166687
Bio and Photo Coming Soon.

Cristopher Davis

NMLS# 2520109
Bio and Photo Coming Soon.

As my grandma always said,
"the proof is in the pudding."

  • "My husband And I had the pleasure of working with Justin Smith at CBGC Mortgage. We had an amazing experience from start to finish! Justin was with us every step of the way, and made himself readily available to answer any questions we had! Justin always made us feel like we were his only clients giving us his full attention rather than being some numbered case assigned to him! He really made the usual tedious task of getting a loan into a easy smooth process!! We are so grateful for Justin and CBGC Mortgage and would highly recommend them to anyone!"
    - Glorianne B.

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