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Sonya Broady - Co-owner & Senior Loan Officer in Indiana, Florida, and Kentucky

Hello, my name is Sonya Broady and I am a co-owner and Senior Loan Consultant for Smith Broady & Associates, Inc. 

I have been in the lending business for twenty-five years and counting. I began as a stay-in-school processor/clerical assistant with USDA Rural Development (formerly Farmers Home Administration) in 1984 while attending classes at Indiana University Southeast. During my employment with USDA I worked at several offices in Indiana including Salem, Corydon, Scottsburg, North Vernon, Madison. Indianapolis and was also fortunate enough to work at USDA Rural Development’s national office in Washington D.C for a brief period. I ended my tenure with USDA Rural Development as Rural Development Manager in 2005

I had only intended to work for USDA while I was going to college to become a computer programmer. However, I found that I loved working at USDA especially assisting people purchase their dream home. I was trained in a broad area of lending that not only included originating and processing loans but including construction inspection, credit repair, home buyer education, loan servicing, foreclosure prevention, training brokers/lenders on the Guaranteed Rural Housing Program, family budget preparation, reviewing short sale requests, working with builders & realtors to promote USDA lending programs and monitoring bankruptcy plans, just to name a few. As co-owner of Smith Broady & Associates, Inc. I am sharing my knowledge and experience of USDA Rural Housing Program with our loan officer so we can provide this loan program better than any other.

Although all of this (and more) groomed me into the loan officer I am today; at no time did I realize how much this experience would put me in a position to be a loan officer of great resources. Today not only do I offer to bring to you the best loan programs to suit your personal needs; I offer services that few other loan officers do. It is very rare that I turn away a client because their credit is not at a loan approval level. I review credit and give clients guidance and direction on how to improve their credit so that a loan can ultimately be made. There is nothing like the happiness of a client who realizes there is a chance of home ownership for him/her!!!

Finally, I want to close in saying that I LOVE MY JOB. There are very few people whom you hear say this but I truly do and I believe this shows in the manner that I conduct my job. I feel so fortunate that I have a profession where I get to help people realize the attainment of their first or dream home. I look forward to working with you and/or your family or friends.


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