Todd Smith is a seasoned business owner currently owning two businesses. He is a graduate of Montclair State University with a degree in finance and economics. Mr. Smith predominantly spends his time packaging and placing business and real estate loans around the country and lecturing on business success strategies. He is also very active in the commercial real estate marketplace and is considered an expert on NON-QM residential mortgages. He has published one novel and two business books, is the president of the NJ Chapter of the National Speakers Association and a professional member of the National Speakers Association.