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Kelle Smart
Branch Manager
NMLS# 104049
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
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.
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Testimonials
The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
5.0
4.8
5.0
Christopher
Feb 20, 2026
Salt Lake City, UT
Working with Kelle was absolutely fantastic – I feel very lucky that she handled the mortgage for our first home!!
Ligaya R.
Feb 10, 2026
Kelle is the best. She is very knowledgeable and very helpful.
Betsy
Jan 6, 2026
Salt Lake City, UT
All our questions were answered promptly and the process was seamless. No one better than Kelle Smart!
Richard
Jan 2, 2026
Salt Lake City, UT
Smooth and efficient service. No hassels, no delays - just got the job done in the most satisfying manner.
Betsy R.
Dec 27, 2025
All our details were answered promptly and the loan process was seamless. Many thanks to Guild and Kelle Smart!
Dawn
Nov 6, 2025
Midvale, UT
Kelle Smart has a certain quality - you know in about ten seconds that you're in capable, caring, knowledeable hands.
NMLS ID #104049
I am authorized to do business in the state of Utah.