Seltzer Management Group, Inc. (SMG) was founded by S. Richard Seltzer in 1990, as a commercial real estate services firm. The original mission of SMG was to provide quality commercial real estate services for both local and national financial institutions with foreclosed properties in northwest Florida. Following the unfortunate passing of Mr. Seltzer in 1998, Benjamin S. Johnson assumed the role of President. Mr. Johnson strategically restructured all business divisions, placing exclusive emphasis on delivering financial services to the affordable housing lending community of Florida. Following Mr. Johnson’s retirement in the spring of 2026, Ryan Johnson and Josh Scribner became the majority shareholders of SMG. They remain dedicated to continuing the legacy and principles established by both Mr. Seltzer and Mr. Johnson; providing quality services locally in Panama City Beach and throughout Florida.

SMG has upheld a long-lasting contractual relationship with Florida Housing Finance Corporation since 1991.  All the while continuing to expand clientele throughout Florida and scope of services which include credit underwriting, construction loan servicing, permanent loan servicing, Federal Labor Standards oversight, compliance monitoring, and financial monitoring.

As a financially solid corporation, SMG has maintained steady growth for over 33 years. Since its inception as an S Corporation in 1990, SMG generously allocates corporate stocks to employees, exemplifying commitment to every member of our valuable team.

With headquarters located in Panama City Beach, Florida and twelve satellite offices strategically located in the south, central, east and west coast regions of Florida, SMG stands ready to provide timely, cost efficient and professional products.