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Michael Smith – Guild Mortgage Lender

Michael Smith

Loan Officer

150 120th Ave NE, Suite 300, Bellevue, WA 98005
Own what matters
Own what matters

About Me

With over 15 years of mortgage experience, my goal is to always provide my clients with exemplary service throughout the mortgage loan process and beyond the loan closing. 

A lot of folks think I just do home loans. I don’t see it that way. I want to build community through each professional and personal relationship. Each loan scenario and client is unique. I feel a great responsibility to educate my clients, whether they are a first time home buyer or a seasoned real estate investor. After all, a mortgage is typically the largest debt secured against perhaps the largest asset many Americans have. There is a lot at stake and I strive to provide the necessary service needed to make sure each client’s individual needs are met. This commitment to service, coupled with innovative marketing is where I believe communities are built.

Personally, I am married with six kids and I reside in Issaquah, WA. I am also a board member of the International Assistance Program (, a non-profit committed to alleviating extreme poverty and providing access to clean and safe water throughout Africa and Latin America. In my free time, I love to cook, garden, and play a little golf.

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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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4.87 out of 5.0 stars
Sierra R
Jul 07, 2022

We loved working with Michael. He got us in our first home. He was down to the point and made it so easy!
Sierra R
Jul 07, 2022

We loved working with Michael. He got us in our first home. He was down to the point and made it so easy!
Nov 16, 2020

Michael was patient and helpful with us first time home buyers and always available to answer questions. We are grateful for his help in navigating such a complex process.
Oct 10, 2020

Michael was fantastic as he guided us through the process of refinancing our home. He was extremely professional and full of valuable knowledge that helped us along the way. The interest rate and the fees were lower than other mortgage companies. We will definitely be using him again with additional properties. Highly recommended!!!
Oct 06, 2020

Michael was awesome. He kept us updated along the way. He explained why he was asking for information he was asking for. And generally Michael is a positive person that was easy to work with.
Jul 14, 2020

Best loan officer out there! Made the process so good. He answered all of my questions and gave me updates when there were some. He would call and check in. He's overall just the best!!!!

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NMLS ID #280567
I am authorized to do business in the state of Washington.