Harold Smith
Senior Loan Officer/Branch Manager | NMLS# 208586
Baylor University
Harold’s exposure to the industry began at a young age while working after school and summers at his parent’s real estate firm in Amarillo. Harold earned a BBA in Entrepreneurship and Management from Baylor University. He sharpened his comm... Show More
Location & Business Hours
Business Hours
Thu
8 AM to 5:30 PM
Fri
8 AM to 5:30 PM
Sat
closed
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Reviews from Web
Y'all were always available and really mapped options out well.
Harold was amazing and went above and beyond to answer all of our many questions! He made sure we met all of our goals and explained our different options very well! Will definitely be using again and highly recommend!!!!
Harold was extremely communicative and informative throughout this process . We felt as though he was part of our home buying team . He went the extra mile to help us with our purchase!
The best of the best! He truly cares and takes care of you like you are family . Hard to find these days! My family will always use Harold for any and all lending needs!
Harold is super smart and great throughout the entire lending process, even when there are some challenges. I always felt like he was taking care of me and giving the best advice. Leigh is really good at her job also.
Seamless, quick & easy — that’s exactly how I would describe working with Harold & his team!I had the pleasure of working with Harold on the buy side and he truly could not have been more delightful to work with. His communication, responsiveness,...
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Just closed on my house in Denison last week, again with Harold Smith and Legacy Mutual. He had helped me buy my previous house in Carrollton in 2018. As a single woman, I value his knowledge and guidance tremendously.Harold’s team also provide...
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I highly recomend Harold Smith and Legacy Mutual Mortgage.
Reply from Owner
June 25th, 2026 12:00 AM
Thank you Keith. You and your Dad were great to work with. That was massive teamwork to make all that happen. Robin navigated a lot of repairs. So glad it all worked -- you have a far superior home. Think about what it was for years before...
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The Harold Smith Team was great to work with throughout the transaction. As the buyer’s agent, I really appreciated his clear and consistent communication—he kept both me and our client informed every step of the way. He took the time to explain...
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Reply from Owner
May 25th, 2026 12:00 AM
Thank you Katherine!
We have used Harold and his team for each of our home-buying experiences, and we have always received great customer service, transparent advice, and accurate documentation. My wife and I would whole-heartedly recommend Legacy Mutual to anyone...
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Reply from Owner
April 25th, 2026 12:00 AM
Thank you Ranz! Very kind of you!
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About
Harold’s exposure to the industry began at a young age while working after school and summers at his parent’s real estate firm in Amarillo. Harold earned a BBA in Entrepreneurship and Management from Baylor University. He sharpened his communication and presentation skills as a corporate trainer during his 8 years with ExecuTrain. Then he returned to his real estate roots, now with over 15 years in home financing. Harold is dedicated to listening to clients, then educating them on best options based on their specific needs and situation. He recognizes the value of delivering beyond the expected.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
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Education
- Baylor UniversityEntrepreneurship/Entrepreneurial StudiesBachelor of Business Administration (BBA)May 1989 -May 1993
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 208586
Hobbies
- Orange Theory Fitness
- Hiking / Outdoors / Nature
Disclaimer
Gardner Financial Services, LTD., dba Legacy Mutual Mortgage, NMLS #278675, a subsidiary of Prosperity Bank. This email transmission is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510 et seq., and any information contained in this message is legally privileged, confidential, and intended only for the individual or entity named herein. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution, or copy of the message is strictly prohibited. If you have received this message in error, please immediately notify us by telephone and purge all copies of this message from your system.