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Stuart Smith

Stuart Smith

Senior Loan Officer

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Q&A with Stuart Smith

What made you decide to be a BankSouth Loan Officer?

The Career found me. I was out of a job, lost my car and about to get kicked out of my apartment when a childhood friend recruited me into this business 32 years ago.

What do you enjoy doing on weekends?

Golf/Grilling/College Football

Who is someone you admire and why?

Arnold Palmer, His competitiveness, drive, and love for the game of golf.

If you could be anywhere than your home state, where would you want to be? Why?

Any beach in the Gulf of New Mexico that is not crowded.

Flashback to when you were 10 years old. What do you want to be when you grow up? Why?

I wanted to be a cowboy because I thought it was cool.

Bio of Stuart Smith

Stuart is a seasoned mortgage industry professional with over 33 years of experience helping individuals achieve their financial goals through homeownership. He has a passion for guiding both first-time homebuyers and those purchasing their forever home through the mortgage process. Stuart's journey into the mortgage industry began when he was offered a position on a friend's team and quickly realized how much he loved the work.

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

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Michael M G
Posted on June 1, 2023
Stuart was awesome! Great help with anything you need!
Jacob M
Posted on May 11, 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.
Gail A D
Posted on May 7, 2023
Everything went very smooth
Jeffrey A D
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.
Mark D K
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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