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Jacob Smith

Jacob Smith

Loan Officer

1530 E. Williams Field Road, Suite 206, 210, Gilbert, AZ 85295
Phone:
(480) 295-7013 ext. 30812
Own what matters
Own what matters

About Me

Throughout the years of the mortgage industry, there have been many changes. However, there is one thing that remains the same. Ownership of your home. Whether you are purchasing a home for the first time, up-sizing to a bigger home that supports a growing family, or down-sizing towards retirement… owning your home is the best investment that you can make. When I began my journey in the mortgage industry 6 years ago, I had three goals.  

First, to do everything within the guidelines of the law to help families and individuals alike gain the status of “Homeowner”. 

Second, to provide my clients with the smoothest loan experience from start to finish so that they get the absolute best home loan for their situation. 

Finally, to educate my clients on the details of owning a home so that they feel secure with the decision they have made to become a homeowner.  

I can confidently say that I have met these goals with every person that I have helped in my career and will continue to honor these goals with everyone moving forward. Anyone who takes the necessary steps to own real estate should feel comfortable all the way to the closing table. When life can seem crazy and things are out of your control, turn to a professional who can take the stress out of becoming a homeowner.   

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
5.0
Dale and D
May 11, 2024
Verified

It was a pleasure doing business with Jacob. From start to finish, his service was professional, prompt, thorough, and efficient. He got us a fantastic rate on our rental property, and kept us updated throughout the entire process.
Alec
Mar 18, 2024
Verified

Jacob smith is exactly who you need when purchasing a home. Jacob made the process so much easier for me and my fiancé. Working fast and being available all the time was what really impressed us. There is nobody else I would have rather had to help us purchase a home.
Jarrett
Jan 22, 2024
Verified

Great experience always on time and always able to get feedback on my questions and concerns
LINDA M
Jan 23, 2024
Verified

Jacob Smith w/Guild Mortgage did an excellent job for my clients loan to purchase of a home. Knowledgeable, professional and closing on time. I highly recommend.
Linda
Jan 22, 2024
Verified

Jacob's entire team did a great job with this transaction. Kept me informed of every detail and I appreciate that. Easiest one I've had in a long time. I will continue to give him my real estate business. Thanks Jacob!
Bruna
Dec 11, 2023
Verified

Jacob was great from the beginning to the end!

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Awards

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Causes I'm
passionate about

causes
NMLS ID #1641476
I am authorized to do business in the states of Arizona and California. AZ BK#0018883; AZ BKBR# 0119516; AZ LO Lic.# 1023404; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;