About Me

I offer home mortgage loans in all of North Carolina and the greater Charlotte metro area including South Carolina 

The Mortgage Smith Mission

I am dedicated to educating, inspiring and assisting in the American Dream.

The Mortgage Smith Core Values

• Positive Results : I believe in creating a “win-win” situation for everyone involved in anything I touch. My goal is to create positive results for all.
• High Standards : I believe that I must set the Standards in the mortgage industry in the Charlotte, NC metropolitan market. My hope is that I can raise the bar across the country.
• Integrity : I believe you should do what is right, every time, regardless of personal gain or loss.
• Trust : I believe that trust is a precious commodity that is earned and given. I stand fast in my dedication to protecting the trust of our clients and partners at all times.
• Communication : I believe it is best to communicate at all times in an open and understanding way.
• Education : I believe my job is to help our clients and partners understand the complexities of the mortgage process, through education and the setting of reasonable expectations from the beginning.
• Follow Through : I believe that we must follow through on all areas from start to finish, and that in the end I must deliver the most stress free solutions for our clients and partners.
• Flexibility : I believe that I am in an industry that requires flexibility and thinking that steps “outside the box.” I am are always seeking fresh ideas and perspectives, which usually keeps me ahead of the curve.
• Worthy of Referral : It is my highest belief that a referral is the strongest endorsement possible and will do everything within my power to foster an environment that encourages referrals from my clients and partners.

When Time and Money Really Matter… Trust the advice of John Smith!

I have been exclusively a professional Mortgage Loan Officer for over 10 years, licensed in North Carolina, South Carolina and Michigan.  Throughout my career, I have been focused on honesty, integrity and providing clarity to home buyers and mortgage applicants across the Carolinas.  My experience in working with hundreds of mortgage loan programs, all at wholesale rates, typically allow me to offer better pricing and better service than the “big banks”.

When it comes to one of your most important financial decision, make sure you Call John “The Mortgage Smith” at 704-299-5507