Stuart Smith
Senior Loan Officer
Mortgage Market Interest Rates
Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.
The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.
Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.
What Customers Say About Stuart Smith
22
Total Reviews
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Jimmy Sutherland
Posted on October 30, 2023
Stuart is a seasoned veteran and it is obvious. Right off the bat, he asked pertinent questions in order to efficiently ensure that our time and his time wasn’t wasted. He made the complex lending process easy and was a very pleasant and responsive professional. We always got the impression that no matter what, we were in good hands and we would recommend him 100 times over. Thank you so much Stuart and we wish you all the best. We will be in touch if we ever need help in this area again.
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James Sutherland
Posted on October 30, 2023
Stuart is a seasoned veteran and it is obvious. Right off the bat, he asked pertinent questions in order to efficiently ensure that our time and his time wasn’t wasted. He made the complex lending process easy and was a very pleasant and responsive professional. We always got the impression that no matter what, we were in good hands and we would recommend him 100 times over. Thank you so much Stuart and we wish you all the best. We will be in touch if we ever need help in this area again.
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SAMUEL SCOTT PADIS
Posted on October 17, 2023
Stuart Smith is ....and always will be our loan officer. He is absolutely FANTASTIC!!!!
In addition to being extremely knowledgeable about everything associated with mortgages, he is also a really nice guy!
The mortgage process was very smooth. Thanks to Stuart of course! He was there to "hold our hand" through every twist and turn.
I would think most people are like me when it comes to mortgages. I had a hundred questions. Stuart answered everyone of them. But more importantly, he always responded with in minutes!!!!!.....7 days a week, day and night!
Our gratitude for Stuart is unsurpassed!!!!!
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Sharon Baldwin
Posted on August 4, 2023
Stuart was great every step of the way and I would highly recommend him.
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Dirk Loots
Posted on July 20, 2023
Stuart and his team were awesome and I would recommend them to anybody who needs a home loan. They were professional, have great communication and will be able to assist with all your loan questions. I will definitely use them again.
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Sirrcl Bewley
Posted on June 16, 2023
My experience with Stuart was truly an amazing experience. Buying my first house was extremely nerve wrecking but Stuart helped and reassured me throughout the entire process. You can truly tell that he cares for others and his honesty and integrity make him stand out from other lenders that I have spoke with before him. I will definitely recommend him to friends and family for future purchases. You will not be disappointed!
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mario gambaccini
Posted on June 4, 2023
Stuart Smith was great from the beginning to the end! Works extra hard to make sure everything is going smoothly
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Michael Mario Gambaccini
Posted on June 1, 2023
Stuart was awesome! Great help with anything you need!
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Jacob Matheny
Posted on May 12, 2023
Stuart and his team are great - very knowledgeable and offered great advice. They all had great response times to our questions. I'd definitely recommend.
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Gail A Davis
Posted on May 7, 2023
Everything went very smooth
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Jeffrey A Davis
Posted on May 5, 2023
We have worked with Stuart on two mortgage loans and each time he provides superior service. I have confidence that Stuart will provide me the best service possible.
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Mark D Kendall
Posted on January 5, 2023
Stuart was with me every step of the way. He and his team got my loan ready for closing quickly with great communication through out the process.
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Curtis
Posted on October 8, 2022
Our experience with Bank South was great. More specifically, from start to finish Stuart provided first class white glove service and partnership to help our experience exceptional. He helped us navigate a difficult mortgage rate market and we were able secure a great rate. He was always available when we needed him or had questions and when unexpected challenges arose he counseled us and advocated for us. He was amazing and Bank South is fortunate to have him on the team.
Thanks Stuart Saunders and the Bank South team!
The Dorsey Family are raving fans.
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Rico Anderson
Posted on August 5, 2022
Stuart was on top of every phase of our new home build and making sure the mortgage was ready to go. Very friendly, responsive and helpful.
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gary wolters
Posted on June 3, 2022
Stuart worked with us through some very challenging times. Despite delays due to Covid, he was able to help us see things through to the end. He was flexible and worked with us to provide solutions to problems as they arose. I would definitely work with him again.
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Tony Amaro
Posted on December 28, 2021
Great company to work with! I got all the information I wanted (Stuart was super patient) and I was able to make the decisions and choose the condition that better fit my goals. Then came closing and it was a breeze. Even after closing, they helped find information and documents promptly.
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Barry Reece
Posted on October 15, 2021
I have known & worked with Stuart now 20 years. He is one of the few people in this industry that does EXACTLY what he says he'll do! True professional in every way!
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Jordan LeuVoy
Posted on September 28, 2021
Stuart was a delight to work with. He is extremely intelligent and helped keep things simple throughout our refi process. My wife and I are extremely pleased working with Stuart and the Bank South team. Highly recommend.
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Sergio Monroy
Posted on June 4, 2021
The commination from Stuart was clear and accurate. The process for applying and working in the loan approval went smooth and the level of documentation required very straight forward. Stuart was always ready to answer any questions that came up in the best possible way, very timely, and with concise answers. I have done other transaction with online systems and dealing with BankSouth, Stuart, and the loan processing team, was just as easy. Will highly recommend.
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Luis D. Muniz
Posted on January 12, 2021
Stuart worked with me every step during the loan process and answer every question I had during the refinance process. The flexibility to do everything online made it easier as well.
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BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.