Elizabeth Smith

Vice President of Mortgage Lending
6371 Business Blvd, Suite 102, Lakewood Ranch, FL 34240
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NMLS: 472114
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Elizabeth Smith and her team were professional while giving our loan experience that personal touch. I can not imagine this experience without them. Fantastic customer service.

Johnathan T. | August 2018

Elizabeth Smith and her team were professional while giving our loan experience that personal touch. I can not imagine this experience without them. Fantastic customer service.

Johnathan T. | August 2018

Very professional team, very easy to work with

Semyon R. - June | 2018

Great experience. Great people. Loan was quick and flexible given my situation.

Sheila H. | May 2018

Elizabeth Smith is Outstanding! By far the most professional and smoothest process I have experienced across seven home purchases! She is a quality person through and through, and a true asset to your company.

Shawn J. - May | 2018

Everyone who worked for my loan, they were the best people to work with.

Hoo L. - May | 2018

Elizabeth and her team were great to work with. Gave great explanation and always answered questions and emails in a timely manner.

Danny B. - Venice, FL | JUL 2017

Elizabeth was absolutely the best! She was so patient, professional, understanding, knowledgeable and accommodating. This was my first home purchase, so I was nervous, asked so many repeated questions and literally knew nothing about the process. Elizabeth made sure I understood every step of the process, so that my loan got approved in a timely manner. My loan was approved in three weeks and I am so happy that I was referred to Elizabeth.

Rita W. - Bradenton, FL | JUL 2017

The team that worked with me on my mortgage loan were knowledgeable and on the ball, they were kind and helpful always answered my questions in a very timely manner. Getting a mortgage loan now days can be stressful and they helped me through it . I'm a happy Girl and a happy home owner!! Thanks Ladies for all your help !! Your an awesome team !!

Barbara J - 03/15/2017

Extremely professional and efficient women helped me through the process in an upbeat manner. They were always a phone call or text or email away when I had questions or needed information, which was so important. Obtaining the loan was surprisingly quick and easy due to the efforts of the Guaranteed Rate team. Thanks!

Joanne P - 03/16/2017

Your kindness and patience with my dad and I made this experience so much better! Thank you all so much for your help. I will definitely recommend you to anyone in search of a loan, and I will be back if I ever need another! Thank you all so much!

Emily W - 03/28/2017

Geneva, Elizabeth and Kara were very informative, quick to respond and professional. Kudos especially to Geneva for being thorough and energetic, especially for what was not the standard/ easiest qualification :) thank you!

Jessica K - 03/27/2017

Elizabeth and her team were fantastic! We did a 30 day closing. Elizabeth was ALWAYS available!! From Friday night phone calls to Sunday morning texts! She treats her clients like family. We honestly worked together for over a year until I finally found the right property I wanted to call my own. And then Elizabeth and her team made it happen!


Elizabeth Smith was so patient. She helped me understand all the ins and outs of obtaining a mortgage. I'm so thankful that I had her in my corner when it got down to the nitty gritty. Thank you for helping me get into my home! We are so grateful!

Holly N. | 11/01/2016

Elizabeth Smith and her team did a nice job throughout our home buying process! Thank you Guaranteed Rate!

Michael R. | 10/03/2016

Elizabeth Smith was at all times during the loan process; professional, courteous, informative, always available, and most important, honest!! My wife and I would never consider anyone else except Elizabeth and would and will recommend her to everyone who may need her services !! I also want to compliment Ann Marie DiPonzio who was extremely helpful in all my contacts with her!!

Richard Y. | February 2016

It was a great experience, my loan officer was exceptional very knowledgeable and made it easy and clean as it was my first time buying a home. Honestly, thank you.

Eduardo R. | September 2016

We had a great experience with Guaranteed Rate. Elizabeth was so knowledgeable and helpful throughout the whole process, I think it took us longer to type an email than for her to respond. Elizabeth and Geneva make a fantastic power team. I would highly recommend Guaranteed Rate for anyone looking to purchase a home. They will guide you step by step.

Daniel M. | September 2016

Elizabeth and everyone else we dealt with were amazing! She got us a great rate and a quick closing, extremely professional and very thorough. I would use them again and recommend them without hesitation!

Jay B. | September 2016

Elizabeth Smith and Geneva Miner were just wonderful! They made the process quick and easy and even were able to close us early. They went above and beyond and really did whatever possible to help us and update us on status. I would definitely recommend them to my family and friends!

Peter B. | September 2016

Thank you for helping to make it a smooth and easy process!! :)

Jody S. | 08/17/2016

Outstanding performance is always appreciated and as Jill said, we know that when we see Guaranteed Rate on that pre-approval we know we can go to sleep that night and not worry about getting to the closing table. Thanks again for all your hard work!

Gail Bass | 08/12/2016

Thanks so much for all your prompt responses. I will absolutely let Gail know about the exceptional service you have given all on this transaction. I know when someone uses Guaranteed Rate, that we will be kept informed along the way and I don’t have to worry about not closing on time.

The Bass Group of Keller Williams | 08/12/2016

Elizabeth Smith went above and beyond anything we expected. She was truly amazing and will highly recommend her to others.

David W. May, 2016

I am very glad that I used a local establishment to guide me through the process. Florida has different elements than does Indiana. Also, a condo purchase has some unique challenges and requirements, as well. Elizabeth guided me thru the maze patiently and expertly. I would definitely contact Elizabeth and Guaranteed Rate again!

Joseph G.

My wife and I are both seventy eight years old, we have bought and sold many houses in our life time, Guaranteed Rate by far was the most efficient company with which we ever did business. Our loan officer, Ms. Smith, guided us step by step and kept us informed of the status of our loan at all times. We cannot tell you how impressed we were with her and how much she helped us. Guaranteed Rate is a top-notch company in our opinion.

Robert and Judy T.

S. Elizabeth Smith and Ann Marie DiPonzio were a pleasure to deal with during the process!

Patrick Y.

I dealt with a number of professionals in the financial institution industry during my previous working career (I am now retired). Guaranteed Rate is fortunate to have someone of the caliber of Elizabeth Smith within its company. She is absolutely a top-notch loan officer. She displays a tremendous work ethic and combines this work ethic with superior loan processing knowledge. Thank you, Elizabeth.

Finlay H.

Thank you for the update. I must say, you did a heck of a job getting this together. I am very impressed and thankful. Apparently you won't let anything stand in the way of you and a perfect record of never missing a closing!

Nick R

Wow- where do we begin?! What an amazing experience with Elizabeth Smith and her staff. We came to her 2 weeks before we wanted to close after having a rough experience with another lender. She told us that if we were willing to move fast on getting her what she needed, then she would do her best to help us reach our goal! We did just that and she was able to just that as well! We can't wait to recommend Elizabeth and her staff to everyone we meet!! Many thanks

Christopher H. – Sarasota, FL | SEP 2015

It was great working with Elizabeth. She was always looking to make things easier from start to finish. It was simple and easy having all parties available during closing. Much different than we were used to.Process was so easy. It's nice dealing with an establishment that really wants your business. Thank you!

Joseph P.

Liz smith did a fantastic job.

Roger K.

Elizabeth and her staff were friendly, fast, detailed, and they had excellent communication with us at all hours of the day (and night) to answer our questions. We learned so much throughout the process and we are forever grateful for Elizabeth and her staff's willingness to educate us on what it takes to finance a home. We can't wait to recommend Elizabeth and her staff to everyone we meet!! Many thanks to them for getting us into our first Florida Pool Home BEFORE Labor Day Weekend (2 weeks...

Christopher H.

Wow- where do we begin?! What an amazing experience with Elizabeth Smith and her staff. We came to her 2 weeks before we wanted to close after having a rough experience with another lender. She told us that if we were willing to move fast on getting her what she needed, then she would do her best to help us reach our goal! We did just that and she was able to just that as well!

Christopher H.

Everyone is very friendly , professional, knowledgeable and very responsive. I really enjoyed working with Amanda and Elizabeth. Earlier in the process Elizabeth was there to explain the process and the pros and cons. I was able to get hold of both Amanda and Elizabeth whenever I need to. I would definitely recommend this group to others and will in touch during another purchase or refinance. Great Customer Service today is hard to find, GR met my expectations and went beyond.

Rohendra S.

Thank you Elizabeth for all your help and advice. You really made the process easier. Much happiness and success in your future.

Roger & Cathie

Elizabeth Smith is supported with a great back office staff but she is the quarterback and responsible for the positive experience we had in a very difficult situation. Having spent 15 years in the mortgage business, I can say without reservation that she save the day and the transaction.

Seth F. – Devon, PA | Feb. 2015

Elizabeth, you make things so easy on the lending side. Thank You!

Clifford K., Real Estate Attorney, Dunlap & Moran

Elizabeth was fantastic and is a true professional. She helped us receive our loan commitment in record time and our clear to close was issued a couple weeks in advance! She kept me well informed through the whole process, everything was user friendly. I'm confident in Elizabeth and Guaranteed Rate to provide exemplary service to my clients. I was overly impressed allowing Guaranteed Rate to service my personal purchase and will continue to refer my clients to their firm.

Kanoa W. -- Sarasota, FL. | Nov. 2014

I would like to thank you for everything you do. You made it very easy and I wil recommend you to others. Guaranteed Rate is lucky to have you!

Scott C. - Venice, FL.

If you meet just one person in Sarasota let it be Elizabeth Smith. Total go-getter, focused & driven on getting the job done correctly the first time & most importantly with a fun loving positive attitude. She is creative in finding practical solutions for complex issues. Worldly, she is brilliantly fierce and dedicated to business. Compassionate and always within reach, she’s a phenomenal networker. Elizabeth will connect you in ways you never imagined possible to further your business'...

Desiree D. - Realtor, Sarasota FL

Elizabeth and her team were excellent! They all worked well and beyond their call of duty!

Rose D. -- Brunswick, ME 8/27/2014

Elizabeth and her team were very caring and professional!

Daniel M. -- Venice, FL 7/28/2014

About Elizabeth

Elizabeth Smith, Vice President of Mortgage Lending at Guaranteed Rate, got her intro to the mortgage industry in New England in 1998. Born and raised just outside of Boston, Elizabeth started working for a small family mortgage company at the administrative and processing level learning the ins and outs of the business from the ground up. Originating since 2004, Elizabeth and her team pride themselves on delivering a smooth mortgage experience to every client. Her business is 100% referral based. Elizabeth expresses from the get go that her role is to make the process as easy and enjoyable for her clients as possible.

Elizabeth interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry since 1997
Who is your typical customer and what questions do they typically have?
Conventional, FHA, VA and Jumbo
What specific steps do you use to help your customers find the best home loan for them?
Utilizing my BA and MA in International Development I am very comfortable asking questions to learn more about the customers I am working with.
How long have you been in the mortgage business? What awards have you won?
Since 1997.
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started, we used paper, pen and a copy machine to start and process a loan. We had to document each borrower's financial situation in a pretty similar fashion to how we do things today. However we had to make 2 copies of the entire file and it was not fun! The only folks who seem to be challenged with today's process are those who were first time buyer's during the early 2000's and obtained a low-doc and NINA loan. Many of my buyers feel today's process is very similar to the way it was years ago. The big difference is in our technology and our ability to start the process with a Cell phone and electronic signatures. I can now preapprove a customer from anywhere in the world ensuring they will get their offer in minutes after they reach out to me for a preapproval. That was not possible in the 90's.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
My website
What can borrowers do to insure a smooth mortgage underwriting process?
It is very important that Buyers follow my suggestions and understand that their participation is vital to the process going smoothly.
Summary of where you grew up: family, affiliations, college, high school, etc.
Raised in Arlington, MA. I grew up in New England spending summers in Maine and skiing in New Hampshire. Playing soccer year round, tennis, running and ice hockey in high school for Lawrence Academy. My BA was in Latin American Studies at UMASS and grad school at UF - MA in International Development focusing on Latin America in 2009, which took me to business classes at PUC, RIO in Brazil. I lived in Costa Rica for nearly four years.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am spending all my free time with my young son Matty. Matty loves to build Lego's and play tennis and enjoy the beach. He is a beach baby for sure and he gives me reason to rise every day!
Tell us something that makes you unique or something wacky, yet interesting about you?
in 1994 I completed a semester long Outward Bound course. lived on a canoe for two months in the Florida Everglades and hiked around Costa Rica for one month. I would do it again in a heartbeat.

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