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Richard Smith
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Richard Smith

Senior Loan Officer

2000 South Colorado Blvd, Suite 3000, Denver, CO 80222
Own what matters
Own what matters

About Me

With more than 25 years of experience as a certified mortgage planner, Richard has been with Cherry Creek Mortgage for nearly a decade, where he's dedicated his professional life to making homeownership a reality for his clients.

Richard is knowledgeable in all types of residential mortgage financing and committed to delivering impeccable service. Whether he's strategizing and assisting a first-time homebuyer with carving a path to financial security or advising seasoned buyers upgrading to their dream home, helping others is his passion and Richard considers it a privilege to personalize mortgage solutions for his clients and become their mortgage expert for life.

He knows what it takes to help clients achieve their financial and home ownership goals. His successful track record as a mortgage consultant and his ability to guide clients through the lending process has led him to winning the national Star Professionals Award every year since its inception in 2010, becoming one of only 14 mortgage originators in Colorado to have had this designation for 13 years. This prestigious award recognizes mortgage loan experts with a reputation for professional excellence and providing their clients with quality service. I want every client to know that I'm working with them, on their behalf. I'm with my clients before, during and after the loan process. Even if there's a potential borrower that can't fit into a mortgage program at a given point in time, I will do my best to give them an action plan to help attain their goals. I believe a simple way to achieve long term success is to use one's expertise and knowledge to help others and have fun doing it!

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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.

Product Info


4.88 out of 5.0 stars
Mar 12, 2024

Richard Smith and Guild Mortgage, along with Jonell Andersen were fantastic to work with. We were kept informed every step of the loan process and through closing everything went as planned, no surprises. We found the Guild online application process very easy to use, to upload required documents to their system and to keep informed of the process. Personal attention throughout the entire process. We would not use any other lender!
Feb 24, 2022

Professional as always. Thank you for your hard work.
paul w
Dec 18, 2021

Richard's the best. Becky and I have used his services for years and will continue to do so.
Oct 15, 2021

Richard was outstanding to work with.
Aug 19, 2021

Richard is great! Second time we've used him and will continue to do so!
Krysti R
Jul 27, 2021

We had the opportunity to meet Richard several years ago when purchasing a home in Denver, and that experience was above and beyond what we had experienced in the past. When it came to purchasing our next home, we knew we wanted to work with Richard. Richard helped us navigate a complex highly competitive market with the utmost efficiency. He provided great guidance and with his help we purchased our beautiful home. Richard is also kind, compassionate, intelligent, and overall a great human. Highly recommend working with his team!

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NMLS ID #285934
I am authorized to do business in the states of Colorado and Texas.