
Cindy Smith
Branch Manager - Loan Officer | NMLS # 221209

Founded in 1986, HomeTrust Mortgage Company is a non-depository mortgage bank that offers an extensive suite of exceptional loan programs. Our in-house processing, underwriting, and closing departments ensure our customers receive the best ... Show More
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Can't thank Cindy enough! Cindy was always patient and kind when we were confused or had missed signing one of the 8000 items you have to sign lol.
Reply from Cindy Smith
November 18th, 2024 04:28 PM
Thank you for taking the time to complete the review of my service. The mortgage process can be confusing with all of the documents needed and compliance forms. Glad we could help with making the process as smooth as possible. Thank you for...
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Communication was amazing and Cindy really advocated for us to get the best interest rate. Amazing experience!
Reply from Cindy Smith
October 7th, 2024 05:02 PM
I'm so happy to hear that you had such a positive experience, Lakisha! It was an absolute pleasure advocating for you to get the best rate possible and ensuring clear communication throughout. Your satisfaction is always my highest priority....
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Keep us updated on changes
Reply from Cindy Smith
October 7th, 2024 05:05 PM
We will definitely keep you updated on any changes with the rates. It was my pleasure to work with you on the purchase of your new home. I appreciate you taking the time to complete the review of my service. Hopefully we will be refinancing...
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The whole process was very smooth and friendly!
Reply from Cindy Smith
September 9th, 2024 05:11 PM
I'm happy to hear that you found the entire process smooth and friendly, Sara! Your satisfaction is my top priority and I'm glad that this was reflected in your experience. Thank you for the exceptional rating you've given me and Hometrust...
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Cindy was patient with my husband and me as we looked for a house for about 8 months. She gave us the assurance that she would be there for us for anything and gave us home tips throughout house hunting. When we finally did close on a home,...
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Reply from Cindy Smith
August 2nd, 2024 01:12 AM
Thank you so much, Jennifer, for your glowing review! I'm delighted to hear that you enjoyed your experience working with me. House hunting for 8 months must have felt like a marathon, but I'm glad I could be there to support you and your husband...
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Prompt to answer calls and messages and very kind to answer our questions. I'm grateful that she came to closing and was still answering questions even then in a friendly manner.
Reply from Cindy Smith
July 16th, 2024 06:00 PM
Wayne, Thank you so much for the nice comments and taking the time to complete the review of my service. I sincerely appreciate you and Jennifer trusting me with your mortgage loan. It was a pleasure to work with you both! Enjoy your lovely...
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Cindy and her team are great to work with. I have worked with Cindy on many occasions.
Reply from Cindy Smith
July 3rd, 2024 03:31 PM
Natha, it is always such a delight to work with you on your mortgage loans. I sincerecly appreciate your continued trust and choosing me to be your lender once again. I hope you enjoy your lovely new home. Please stay in touch!
We had an unusually rushed closing date (2 weeks) and Cindy made it happen! She was always available to answer questions and help us meet all the tight deadlines required. We feel so lucky to have had her recommended to us.
Reply from Cindy Smith
April 26th, 2024 04:08 PM
Thank you so much for taking the time to write this review. It was my pleasure to work with you and meet you at closing! We made a great team to get this done so quickly! I hope you and Michael enjoy your beautiful piece of paradise for many...
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Cindy was available at all times to answer questions and give guidance with any situation. She is more than professional, she treats you like family and makes you feel like her only client. We will be referring Cindy as much as possible to...
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Reply from Cindy Smith
April 4th, 2024 10:46 PM
Steven, Thank you so much for taking the time to complete the review of my service. It was such a pleasure to work with both you an Jaclyn. I really enjoyed meeting you both in person at closing. Thank you guys for being so prompt with everything,...
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The whole experience was so easy! Cindy is AMAZING!
Reply from Cindy Smith
April 4th, 2024 10:48 PM
Thank you so much Anthony! It was so special for me to assist you and Gabby with the purchase of your first home! I can't wait to come see it in person. Thank you for trusting me to be your lender!
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About
Founded in 1986, HomeTrust Mortgage Company is a non-depository mortgage bank that offers an extensive suite of exceptional loan programs. Our in-house processing, underwriting, and closing departments ensure our customers receive the best loan program for their needs as well as a successful and consistent loan experience. Our history of growth and stability through market fluctuation is due in large part to our strength, flexibility and high volume of new and repeat business.
Products & Services
Mortgage Loan Officer
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Year Started
1986
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 221209
Gallery

Disclaimer
Texas Consumer Complaint Disclosure Statement
Contact Information
Corporate Address:
Hometrust Mortgage Company
5353 W. Alabama, Suite 500
Houston, Texas 77056
Corporate Phone: (713) 369-4000
Corporate Email: info@hometrust.com
NMLS: 149932 (www.nmlsconsumeraccess.org)
Equal Housing Opportunity
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers in obtaining housing because of race, color, religion, sex/gender, disability, familial status, national origin, or any other protected classes under state or local law.
Licenses
Hometrust Mortgage Company conducts business only in the following states:
Alabama
Consumer Credit License #21469
(Other Trade Names: Home Mortgage of America, Inc )
Colorado
Mortgage Company Registration
(Other Trade Names:None)
Florida
Mortgage Lender Servicer License #MLD791
(Other Trade Names: Home Mortgage of America, Inc )
Georgia
Mortgage Lender License #24278
(Other Trade Names: HT Mortgage Company)
New Mexico
Mortgage Loan Company License #03476
(Other Trade Names: None)
Tennessee
Mortgage License #113075
(Other Trade Names: Home Mortgage of America, Inc )
Texas - SML
Mortgage Banker Registration
(Other Trade Names: None)
Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. No section of this Website may be framed (iFrame) within another website without the approval of Hometrust Mortgage Company.
Texas Consumer Complaint Disclosure Statement
HOMETRUST MORTGAGE COMPANY IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST HOMETRUST MORTGAGE COMPANY SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT WWW.SML.TEXAS.GOV OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT SMLINFO@SML.TEXAS.GOV.
THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.