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Mark Smith
Senior Loan Officer | NMLS# 295910
New Mexico State University
Mark loves to close. When he opens the office in the morning, all he can think about is closing! Since 1994, Mark Smith has helped families buy and refinance homes, with more than 5,000 loans closed. Based in Austin, he started as an underw... Show More
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Business Hours
Thu
7 AM to 7 PM
Fri
7 AM to 7 PM
Sat
7 AM to 7 PM
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Reviews from Web
The process was so smooth and the communication was amazing! I never had a lingering question!
Reply from Mark Smith
September 24th, 2026 02:06 PM
We always love to hear that - it shows that we've done the right thing on designing our systems to ensure a good and smooth and communicative process. It's kind of our thing.
Enjoy the new home and the goats!
We had a complicated self-employed income situation, and our first lender stalled our application for weeks. Mark Smith and his team stepped in, reviewed our full financial picture, and got us approved with a great rate in record time. Their...
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Reply from Mark Smith
September 24th, 2026 02:05 PM
Thank you, Nasibullah! As soon as we got the application, we knew what the problem was and how to fix it...and now you're in a new home, with a couple of awesome yetis as a thank you and welcome to the home gift. You two enjoy that new home,...
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We had a complicated self-employed income situation, and our first lender stalled our application for weeks. Mark Smith and his team stepped in, reviewed our full financial picture, and got us approved with a great rate in record time. Their...
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Reply from Owner
September 24th, 2026 02:07 PM
Self-employment isn't a barrier to buy a home - but it is when you're working with the wrong lender. I'm glad we were able to help, and see through the weeds to help you buy your home! Enjoy it! And, if ever you need us - or know someone who...
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We had a complicated self-employed income situation, and our first lender stalled our application for weeks. Mark Smith and his team stepped in, reviewed our full financial picture, and got us approved with a great rate in record time. Their...
read more
Reply from Owner
October 1st, 2026 12:00 AM
Nasibullah - thank you. Truly. Your loan was actually a fun one to do - because I love self-employed borrowers - especially when they have been denied by another lender because so many lenders don't know how to underwrite and review self-employed...
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Our experience with Mark Smith and his team was the best we could have asked for! The process was seamless and the answer for our approval was quick! Our situation was a bit complicated as well being as my husband had to leave for military...
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Reply from Owner
October 1st, 2026 12:00 AM
Hailey - thank you, and thank Patrick for his service. You two are awesome...and enjoy those goats! I want a picture of the one you named "Mark". :-)
Because Mark Smith is the best in the busines!
Reply from Mark Smith
September 13th, 2026 11:25 PM
Thank you, Hailey - it was a pleasure helping you and Patrick buy your first home! Enjoy it!
We are so happy that Mark Smith Team was able to get our loan approved when others couldn't. 🙌 We are so greatful for their hard work helping us get into our new home. ❤️
Reply from Owner
September 13th, 2026 11:27 PM
Thank you for the five stars!
Mark Smith was friendly, professional and easy to work with.
Reply from Mark Smith
September 13th, 2026 11:26 PM
Thank you! And, we got your loan approved when another lender said they couldn't make it work. I'm happy we were able to be there to help!
Mark and his team crushed our expectations! They expedited our loan process extremely fast and were diligent throughout the whole process. We got in our home quickly and we couldnt be more grateful! Thank you!
Reply from Mark Smith
September 13th, 2026 11:27 PM
Thomas, I'm so glad to hear that my team and I were able to make your your loan process fast and easy! It's great to know you were able to get into your home quickly. Thank you for your awesome words!
Mark Smith has received a review with 5 star rating from Karen O
Reply from Owner
September 13th, 2026 11:28 PM
Karen - thank you - Five stars from you means a lot - it means we did our job at the highest level and did what we promised we would do. Congratulations!
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About
Mark loves to close. When he opens the office in the morning, all he can think about is closing! Since 1994, Mark Smith has helped families buy and refinance homes, with more than 5,000 loans closed. Based in Austin, he started as an underwriter, so he knows what gets a file approved before it ever goes in. Today he leads The Mark Smith Team at Legacy Mutual Mortgage, specializing in FHA, VA and conventional loans, mortgages for self-employed borrowers, and non-QM loans (DSCR, bank statement and more). First-time buyer, veteran, business owner, investor or move-up buyer, Mark will walk you through rates, programs and loan structure. He's always available for your questions. Don't stop believing. Mark sure won't!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Specialities
Building Wealth, VA and FHA Loans, Conventional Loans, High Net Worth Jumbo, Self-Employed, Non-QM
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Education
- New Mexico State UniversityMarketing & ManagementBachelor of Business Administration (BBA)Aug 1988 -May 1993
Positions
- Legacy Mutual Mortgage - Senior Loan Officer Feb 1st, 2017 - Current
Memberships
- Forward MasterMind
- Acquisition.com Vantage VIP+
- Mortgage Bankers Association
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1994
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #295910
Gallery
Awards
Scotsman Guide 202...
#2 LO by Volume, L...
Top 5 LO by Volume...
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Achievements
- #2 loan officer at Legacy Mutual Mortgage (2025) | President's Club honoree last ten years
Hobbies
- Golf
- Lego Star Wars
- Pop Culture
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Disclaimer
Shameless plug: Referrals are the highest compliment. If you have friends or family members who can benefit from our services, please share my contact info or website. 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.