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 * About Us
 * Blog
 * Loan Servicing
 * My Account

 * Apply Now
 * Find a Loan Officer
 * Contact

 * Apply Now
 * Find a Loan Officer
 * Contact
 * Home


GET PREQUALIFIED!

Finding the home of your dreams starts with a strong prequalification from
smartmortgage.com

Get Started


MORTGAGES

 * Mortgages and Rates
 * 30 year fixed mortgage rates
 * 15 year fixed mortgage rates
 * 5/1 ARM Rates
 * Lenders

 * Mortgages and Rates
 * 30 year fixed mortgage rates
 * 15 year fixed mortgage rates
 * 5/1 ARM Rates
 * Lenders

 * Mortgages and Rates
 * 30 year fixed mortgage rates
 * 15 year fixed mortgage rates
 * 5/1 ARM Rates
 * Lenders

 * Mortgages and Rates
 * 30 year fixed mortgage rates
 * 15 year fixed mortgage rates
 * 5/1 ARM Rates
 * Lenders

 * Mortgages and Rates

 * Mortgages and Rates


GET STARTED

Finding the home of your dreams starts with a strong prequalification from
smartmortgage.com

Get Started


CALCULATORS

Monthly Payment Calculator

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Calculate Payment

Determine payments based on rate, down payment and other important factors.

Affordable Payment Calculator

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Calculate Affordability

Learn how much you can afford.


GET QUALIFIED!

Finding the home of your dreams starts with a strong prequalification from
smartmortgage.com

Get Started


REFINANCE

Accelerate Ownership

Whether you plan to stay in your home for two years or forever, it is important
to know how to accelerate your ownership.

Accelerate Ownership

Whether you plan to stay in your home for two years or forever, it is important
to know how to accelerate your ownership.

Accelerate Ownership

Whether you plan to stay in your home for two years or forever, it is important
to know how to accelerate your ownership.

Accelerate Ownership

Whether you plan to stay in your home for two years or forever, it is important
to know how to accelerate your ownership.

Do I qualify?
You can perform this analysis yourself by following a few simple steps. GET
STARTED


CALCULATORS




STRONGER TOGETHER.

Smartmortgage.com is part of Guild Mortgage,
a top 10 lender committed to excellent customer service.
We'll provide consistently superior service and will close on time with a wider
array of products, more advanced technology, and a greater depth of experience,
knowledge, and support.
READ FULL PRESS RELEASE >


FIRST TIME HOME BUYERS

Be Empowered.
Be Informed.
Buy with Peace-of-Mind.

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Get Started


FIRST TIME HOME BUYERS

Be Empowered. Be Informed. Buy with Peace-of-Mind.
SmartMortgage.com guides you step-by-step through the entire home buying
process. Our process is built on a foundation of partnership and collaboration,
custom designed for each home buyer’s unique needs and specification. There is
no one size fits all solution in today’s volatile mortgage marketplace. As a
first time home buyer you benefit most from having a partner you can trust. Buy
with confidence. Buy with SmartMortgage.com, your trusted home buying partner.


VA HOME BUYERS

You’ve Earned it.
No Down payment.
No PMI.

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Get Started


VA HOME BUYERS

With SmartMortgage.com, In addition to our experience with the program, we offer
unmatched service for veterans. From a logistics standpoint, a lot of VA loans
cannot be processed in the same way as a standard loan. We’ve had active duty
clients stationed all around the world who would run into roadblocks with their
initial lender because of document signing and general paperwork collection
issues. We have technology and a series of best practices to ensure prompt,
assured service no matter where our clients happen to be in the world.


JUMBO LOAN HOME BUYERS

Exclusive Rates.
Consierge Service.
Close Fast.

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Get Started


JUMBO LOAN HOME BUYERS

Do you need a loan higher than $453,100? SmartMortgage.com caters to your unique
situation and offers exclusive loans that close fast. Since jumbo loans above
$453,100 (excluding high-cost areas) are not conforming loans, they are riskier
for your lender and are therefore more expensive and harder to qualify for. We
provide a well-designed platform for obtaining some of the best jumbo financing
in the market today.

Finding the right mortgage requires a loan officer to listen and ask questions.
SmartMortgage.com is a caring collaborative of informed, experienced and
dedicated professionals who have the knowledge and insight  to create an optimal
mortgage experience.


THE RIGHT MORTGAGE AT COMPETITIVE PRICES

Our licensed loan officers are true mortgage experts that do not read from
scripted material. Finding the right mortgage requires your loan officer to
listen and ask questions.

Learn More




DO YOU NEED TO CLOSE FAST?

No problem! As a direct lender, we have designed our loan process to move more
quickly than a typical bank. We will meet your deadline – not the other way
around.


WORK WITH A MORTGAGE COMPANY THAT TAKES THE TIME TO KNOW AND UNDERSTAND YOUR
UNIQUE SITUATION.

"Finding SmartMortgage was a stroke of good luck. Real estate transactions are
so complicated these days that parties need a mortgage company they can trust to
do a good and thorough job. That's what they did."

- David

“Christopher Beahm (NMLS 50816) was our loan officer who helped us refinance our
home mortgage. He was very responsive and answered all of our questions quickly
and thoroughly. I highly recommend Christopher and would work with him again.”

- Tiffany

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GET PREAPPROVED NOW!

For low rates and expert advice call us now at (855) 997-7231 or apply online.
Absolutely no obligation.

Contact Us

CONTACT

Toll Free:
(855) 997-7231

APPLY NOW

LEGAL

 * Disclosures
 * Licenses
 * Privacy Security
 * Consumer NMLS

FIND A LOAN OFFICER

Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by
the Department of Financial Protection and Innovation under the California
Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA
Mortgage Broker License #MC3274; Licensed by the Mississippi Department of
Banking and Consumer Finance; Licensed by the N.J. Department of Banking and
Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender;
Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274.
www.nmlsconsumeraccess.org/

All loans subject to underwriter approval. Terms and conditions apply, subject
to change without notice. Guild Mortgage Company is an Equal Opportunity
Employer. Guild Mortgage Company 5887 Copley Drive, San Diego, CA 92111; For
more licensing information, please visit www.guildmortgage.com/licensing/

 

Christopher Beahm

Senior Loan Officer

NMLS: 50816

Christopher is a charismatic and seasoned Mortgage Consultant with a rare blend
of exceptional service and unique, competitive financing options.

Whether you’re an out-of-state buyer looking to relocate, looking to buy your
first home, refinance your existing home, or even looking to add another
investment property to your rental portfolio, Christopher is eager to leverage
ten years of lending expertise to craft a tailored solution for you.

Ready to work with Christopher? Contact him today.

 

NMLS ID #50816
I am authorized to do business in the states of California, Colorado, Florida,
Illinois, Kansas, Missouri, South Carolina and Texas. Licensed by the Department
of Financial Protection and Innovation under the California Residential Mortgage
Lending Act; (www.nmlsconsumeraccess.org);

×
Russ Moore

Senior Loan Officer

NMLS: 454668

Russ Moore is a Senior Loan Officer with SmartMortgage.com. He is a 30 year
industry veteran. Russ has helped thousands of families realize their dream of
homeownership. The key to Russ’ success has been communication. From the first
pre-approval conversation, to the closing table, his customers know where they
are in the loan process.

In his own words, Russ states “I try to make obtaining a mortgage quick and
easy, with no surprises.”

Whether you’re a first-time buyer purchasing a starter home or making a move up
to your dream home, Russ has the skill and knowledge to help you pick a loan
program and manage the loan process through closing.

Ready to work with Russ? Contact him at RMoore@SmartMortgage.com

NMLS ID #454668
I am authorized to do business in the states of California, Colorado, Florida,
Illinois, Kansas, Michigan, Missouri, Ohio, South Carolina and Texas. Licensed
by the Department of Financial Protection and Innovation under the California
Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org);

×
CJ Jordan

Loan officer

NMLS: 1253606

CJ Jordan is a Loan Officer at SmartMortgage.com, a division of Guild Mortgage
Company. He has a passion for helping his clients achieve the American dream of
owning their own home. CJ works diligently to make sure that dream is both
attained and retained.

CJ believes that the process of attaining a mortgage is much more than a
transaction, it’s about building long lasting relationships with his clients. He
achieves this by working closely with his customers every step of the way. CJ
utilizes his sound knowledge of the mortgage industry to offer the absolute best
lending options available.

Ready to work with CJ? Contact him today.

 

NMLS ID #1253606
I am authorized to do business in the states of California, Florida, Illinois,
Missouri and Texas. Licensed by the Department of Financial Protection and
Innovation under the California Residential Mortgage Lending Act;
(www.nmlsconsumeraccess.org);

×
Mark Carrico

Senior Loan Officer

NMLS: 500388

Mark Carrico has 27 years of experience in the mortgage industry. Mark started
his mortgage career in 1991. For 15 years, Mark worked as the operations manager
of Mortgage Resources Incorporated.

Mark’s number one priority is maintaining his relationships with his clients and
referral partners. Mark is available 24 hours a day, 7 days a week to answer any
of your financing questions. He will do whatever it takes to make sure his loan
commitments are issued well before their due date. Mark firmly believes that the
“customer is always right”. Mr. Carrico is extremely dedicated to his clients.
He strives to offer them the best program to fit their individual needs.

Mark was born and raised in St. Louis, MO. Before working as a loan originator,
Mr. Carrico was a police officer for almost 18 years.

Contact Mark Carrico today for all of your home financing needs.

 

NMLS ID #500388
I am authorized to do business in the states of California, Colorado, Florida,
Illinois, Kansas, Michigan, Missouri, Ohio and Texas. Licensed by the Department
of Financial Protection and Innovation under the California Residential Mortgage
Lending Act; (www.nmlsconsumeraccess.org);

×
Beth Kullmann

Operations Manager

NMLS: 1099033

Beth Kullmann has been in the mortgage industry for 20 years. Starting as a
mortgage loan processor, Beth is familiar with all aspects of the mortgage loan
process including underwriting portfolio loans, closing, post-closing, loan
servicing, and origination.

Beth knows every borrower has different needs. She knows how to create an
environment of understanding and confidence for her clients. Beth understands
that being transparent is vital to a smooth transaction. She tells her borrowers
what they need, why they need it, helps them understand the mortgage process and
gives them realistic expectations for the process. She believes taking the time
to listen to and understand the borrower is the key to structuring the right
loan for their situation. Guild Mortgage Company offers conventional, FHA/VA,
203K, jumbo, new construction, and USDA. Guild also has great programs available
for first-time homebuyers with down payment assistance available.

Beth has a degree in interior design. She lives in South County with her husband
of 23 years, Bill, and their two daughters.

Beth Killmann is authorized to do business in the state of Missouri.

 

×
Angi Stevenson

Regional Vice President, Midwest


Angi Stevenson joined Guild Mortgage in 2018 when Guild acquired her firm,
Cornerstone Mortgage, based in St. Louis, Mo., where she served as president and
CEO. She oversees Guild’s Midwest Region, with offices in Missouri, Illinois and
Kansas.

She co-founded Cornerstone in 1996 with the late Jim Dean and helped establish
the company as a leading residential mortgage lender, widely recognized for its
growth and as a top place to work, with an annual loan volume of more than $1
billion.

Ms. Stevenson started in the industry in 1985, advanced rapidly in sales and
leadership positions, including seven years at Security Financial Mortgage,
prior to founding Cornerstone. She is involved in the St. Louis community,
supporting local charities and organizations, such as Nurses for Newborns and
The Backstoppers, Inc.

 

×
Kelly Kelley

Loan Officer

NMLS: 1508798

Kelly Kelley is a Loan Officer at the online division, SmartMortgage.com, a
division of Guild Mortgage Company. She is a former Realtor and has experience
in banking. Kelly is passionate about partnering with clients to find solutions
that best fit their financial needs and helping them achieve homeownership.

×
Nathan Smith

Nathan Smith comes to SmartMortgage.com, a division of Cornerstone Mortgage,
Inc. with over four years of lending experience (1 year of mortgage experience).
He operates on the principle that every client should be treated like a friend.
This philosophy shows in the customer experience Nathan creates from the first
meeting to the closing table. Honesty and working diligently on all loans is
what Nathan’s past customers have come to expect when working with him.

Out of the office, Nathan enjoys adventure motorcycle riding and camping. He is
an Eagle Scout, so these activities have been a part of his life for a long
time. When not outdoors, he enjoys constant self-improvement and tries to master
one new skill every six months.
Whether buying your first home, refinancing or taking on another investment
property, Nathan will guide you through the process. Making your mortgage loan
experience positive and enjoyable is his number one goal.

×
Greg Carlson

Senior Loan officer

NMLS: 296402

Greg is a Senior Loan Officer with SmartMortgage.com. He is a 15 year industry
veteran.

In Greg’s words, “The principle by which I measure my success in the service
arena is one I like to call the ‘Wow factor.’ My sole objective as a lending
professional is to ‘Wow’ my clients with unexpected service and
professionalism.”

For Greg, making new friends is particularly fulfilling and is the center of how
he conducts his business. Knowledge, dedication and teamwork are essential to
him. His pledge to you is to utilize those principles in your real estate
financial transactions.

Ready to work with Greg? Contact him at GCarlson@SmartMortgage.com

×
Dan Cunningham

Senior Loan Officer

NMLS: 738399

Dan Cunningham is a Senior Loan Officer with SmartMortgage.com. He is a 14 year
industry veteran, working in the wholesale and retail channels. Dan has a desire
to provide the best possible experience every time.

In his own words, Dan states “The best compliment I could receive is a
referral”.

Dan understands the mortgage industry can be a fiercely competitive market. He
also believes that there is more to home financing than simply securing the
lowest interest rate. That’s why he asks a lot of questions and takes the time
to listen to your answers concerning your overall financial picture. Whether you
are buying your first home or refinancing an existing loan, Dan wants to offer
you the best option to achieve your financial goals.

Ready to work with Dan? Contact him at DCunningham@SmartMortgage.com

×
Gary Gorsuch

Senior Loan Officer

Gary Gorsuch is a Senior Loan Officer with SmartMortgage.com. He is a 15-year
industry veteran. Gary has worked in the wholesale, retail and consumer direct
channels.

Gary measures his success by the satisfaction of his clients. He believes that
helping others achieve their objectives means he has reached his own goals. Gary
is a multi-million dollar producer that is happy to work for SmartMortgage.com,
a division of Cornerstone Mortgage Inc., who process, underwrite and close their
own loans. He knows that having his client’s loans closed correctly and on time
is vital in the mortgage business.

Ready to work with Gary? Contact him today at GGorsuch@SmartMortgage.com.

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