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Joseph Smith

Branch Manager
585 Tremont St, Boston, MA 02118
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NMLS: 481139
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TestimonialsCustomer testimonials Read more

Fast/prompt, always helpful and available.

Ashton H. -Swampscott, MA | MAR 2016

Joe Smith and Harold Dolden in the Boston office were extremely helpful throughout the process - Very prompt response time.

Lauren E. – Marblehead, MA | SEP 2015

The rep was amazing and it was obvious from the beginning that he was the most knowledable and helpful of the people we talked to.

Andrew H. – Chicago, IL | May. 2015

Joseph Smith is the best mortgage broker ever and very friendly.

Michel S. – Boston, MA | Apr. 2015

Wonderful customer service and care. Great experience with our initial mortgage. Fantastic experience with a refinance. We were able to drop our monthly payments drastically! The process was fast, seamless, and we felt supported every step of the way.

Kevin M. - Denver, CO | Dec. 2014

Joe Smith was wonderful from the first time we spoke until we got approved for everything. He was available to answer all my questions even on the weekends. As a first time homeowner, I had many questions for the process and what was happening and Joe and his team where there every step of the way to answer at times that same question. Joe Smith and his team were outstanding!

Lawrence M. -- Ludlow, MA. 9/30/2014

Things were very smooth and efficient and everyone was friendly and flexible.Excellent work friendly and accommodating service and flexible mindset. Everyone was so so helpful and accommodating, friendly and efficient. I could not ask for a better team. The whole entire process was great and felt things could not have gone any better.

German C. -- Boston, MA 8/12/2014

Joe was great! He was super informative and always very responsive!

Ryan G. -- Somerville, MA 7/11/2014

Joseph was fantastic! He is an expert and is very skilled at his profession!

Alexandra B. -- Jamaica Plain, MA 4/24/2014

Joseph Smith and his team were on the ball throughout the whole process. They were well-informed, very prompt about responding to inquiries and concerns, they were very efficient, and they were very people-centered as well. I've never had a better experience with a mortgage lender.

Ronald S. -- Long Beach, CA 1/13/2014

"The process was painless. Joe Smith is fantastic...extremely knowledgeable, terrific follow up -- overall, I had a great experience and will certainly be referring friends who considering a home purchase to him!! Everyone I dealt with at Guaranteed Rate was very service oriented -- Thank you!”

Courtney M. -- Boston, MA. -- 5/ 2013

Hey check out the great review from John about Joseph! “Joseph Smith and his team were a pleasure to work with! The entire process was smooth from the rate lock through closing! I would recommend Guaranteed Rate to anyone looking for a residential loan! Thanks again Joseph!”

John G. -- Boston, MA -- 02/2013

Hey check out the amazing review from Melissa about Joseph! “We greatly appreciate that Guaranteed Rate had a firm handle on the whole refinancing process. In additionally how Joseph consistently kept us informed at every stage of progress. I would definitely recommend Guaranteed Rate because it found us a great rate, spent the time to explain it to us, and guided us expertly though all steps necessary to apply to refinance and close. Thanks Joseph!”

Melissa L. -- Boston, MA -- 01/2013

About Joseph

Joseph Smith started in the mortgage industry 23 years ago and since then has consistently been listed among the top loan officers in the country. He was ranked #50 in Mortgage Executive Magazine’s Top 200 Mortgage Originators in America and #63 in Scotsman Guide’s Top 300 Originators in 2014. In 2015, he made the Mortgage Executive rankings again, listed as #93 on the Top 200. For the past 3 years, Joseph has been a member of Guaranteed Rate’s President’s Club and this past year in 2015, he joined the prestigious Chairman’s Circle.

Prior to becoming a branch manager at the Boston office, Joseph attended college at the University of Southern California where he received his Bachelor of Science in Industrial and Systems Engineering. He then went on to receive a Master of Science in Industrial and Systems Engineering from USC and an MBA from Bentley University in Waltham, MA.

Joseph interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I have been in the mortgage industry for over 23 years which has given me a lot of experience from which to draw. I interview my customers to learn about their specifics needs and their timelines then use that information to customize the best loan program for them. Some transactions are straightforward but others that involve buying and selling at the same time can be tricky. I work hard to make sure my customers know their options, like recasting and home equity bridge lines.
What advice would you give new or first time home buyers?
Work with an experienced loan officer at a mortgage company. Banks are very restricted to their own limited offerings. We have access to so many options other mortgage bankers have never even heard of or wouldn’t know how to structure.
What are the top 3 misconceptions people have about the home loan process?
1. People think the process will take a long time. It can actually take just a few weeks. Most of the time is spent waiting for documents. The faster borrowers submit documents, the faster we can get them approved. 2. Adjustable rate loans are bad. What many people don’t realize is they can save thousands of dollars by choosing the right adjustable rate loan over a 30 year fixed. Very few people have the same mortgage for over 7 years. Often borrowers will move up to a bigger house, move for a better school system, move for a better job, downsize to a smaller home or refinance to lower a rate, drop PMI, reduce the term, or pull cash out.
What provides you with the most satisfaction in your job as a Loan Officer?
I love to help people get into their first home. Sometimes it is a struggle coming up with the down payment or qualifying, but when we get through that and they close, they are so happy to have a house of their own. It is awesome.

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