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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

Total Reviews

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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.
Reply from Stuart Smith
James, I'm delighted to hear that you had a positive experience working with my team at BankSouth Mortgage. I'm glad to know that our approach and experience were beneficial in making the lending process seamless for you. I appreciate your trust, and it was truly a pleasure assisting you. - Stuart Smith
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!!!!!
Reply from Stuart Smith
I'm truly humbled by your kind words, Scott. I'm glad to hear that your experience with BankSouth Mortgage and my team was a great one. We always strive to make the entire mortgage process as smooth as possible and I'm delighted to hear that I was able to do so for you. Your questions are always welcome, and being there to assist you day and night is all part of the service. Your gratitude means a lot to me; thank you for choosing me as your loan officer. Looking forward to assisting you again in the future.
Sharon Baldwin
Posted on August 4, 2023
Stuart was great every step of the way and I would highly recommend him.
Reply from Stuart Smith
Thank you so much for your positive feedback, Sharon! I'm delighted to hear that you had a great experience with us at BankSouth Mortgage.
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!
Reply from Stuart Smith
Thank you so much for your kind words, Sirrcl! It has been a pleasure working with you and helping you through the home buying process. At BankSouth Mortgage, we strive to provide the best service and experience for our customers. Thank you for your recommendation and for your 5-star rating.
Michael Mario Gambaccini
Posted on June 1, 2023
Stuart was awesome! Great help with anything you need!
Reply from Stuart Smith
Michael, Thank you for your kind review. It was a pleasure working with you and coming up with a financial option for your unique situation. Feel free to reach out when you are ready to purchase that investment property.
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.
Reply from Stuart Smith
Thank you, Jacob, for your kind review and for recommending BankSouth Mortgage. We take pride in offering our clients great advice and quick response times, and we are glad that you were happy with our services.
Gail A Davis
Posted on May 7, 2023
Everything went very smooth
Reply from Stuart Smith
Thank you Gail A for your kind words and 5-star rating! Here at BankSouth Mortgage, we strive to make the mortgage process go as smooth as possible. We're glad that we could help make your experience an enjoyable one.
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.
Reply from Stuart Smith
Thank you Jeffrey A for your kind words! I'm so glad to have been able to provide you with superior service for your mortgage loans. I'll continue to work hard to ensure you receive the best service possible.
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.
Reply from Stuart Smith
Thanks for the kind works Mark. Thanks for trusting us with your mortgage needs.

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