

Stephen Smith
Loan Originator

Founded in 1997, Envoy Mortgage is an independently owned, full-service mortgage lender headquartered in Houston, TX. As a Fannie, Freddie and Ginnie approved seller/servicer, Envoy branches offer a full menu of loan products with locations... Show More
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8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
At the start the experience was nice. Stephen acted friendly, would call me to discuss various things related to the mortgage, and would answer my questions in detail. This quickly stopped when I was locked in with Envoy and couldn't easily...
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Great communication and customer service. We knew what to expect every step of the way. No surprises throughout the process. We enjoyed working with Stephen!
Reply from Stephen Smith
May 8th, 2026 06:56 PM
I appreciate your kind words, Carol. It's great to hear that the communication and customer service met your expectations and made for a smooth process. I'm happy you enjoyed working with me, and if you ever need anything else, please don't...
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The lack of problems, the advice from Stephen made for a great experience.
Reply from Stephen Smith
May 8th, 2026 02:51 PM
I'm thankful for your feedback, Timothy. It's good to know that my advice contributed to a smooth experience for you. If you have any further questions or need assistance in the future, please don't hesitate to reach out.
We were able to get a home that we loved in the price range we were happy with.
Reply from Stephen Smith
May 5th, 2026 02:49 PM
I'm glad to hear you found a home you love within your desired price range, Andre. It's rewarding to know that I could assist you in achieving this important milestone. If there's anything else you need, please feel free to reach out.
Just the overall experience.
Reply from Stephen Smith
April 23rd, 2026 08:23 PM
Thank you for sharing your experience, Ethan. I'm pleased to know you had a positive overall experience. If there's anything specific you'd like to discuss or if you need further assistance, feel free to reach out.
We had a wonderful experience working with Stephen! He was patient, knowledgeable, and made every step of the process feel smooth and stress-free. We're so grateful for his support. experience working with Stephen and the entire Envoy team!...
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Reply from Stephen Smith
April 9th, 2026 01:32 PM
I appreciate your kind words, Felicia. It's great to hear that the process felt smooth and stress-free for you. Ensuring my clients feel supported and informed is very important to me. If you ever need further assistance or have any questions...
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Stephen made us feel confident and clear at all points of the loan process.
Reply from Stephen Smith
April 7th, 2026 02:40 PM
It's satisfying to know that you felt confident and clear throughout the loan process, Emma. Making each step understandable is always a priority for me. If you ever have any more questions or need further assistance, don't hesitate to reach...
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Stephen is the ultimate professional. He is knowledge, attentive and made a complicated process seem easy. I cant can't say enough about him and feel lucky that he was recommended to me
Reply from Stephen Smith
April 2nd, 2026 01:49 PM
I'm grateful for your kind words, Andrew. It's rewarding to know that my knowledge and attentiveness helped make the process easier for you. I'm glad to have had the opportunity to assist you, and if there's anything else you need in the future,...
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Everything was done so efficiently. Everyone was very kind and supportive. The entire team helped me to gather all of the documents needed to ensure a smooth process. Stephen was always available to answer my questions and gave me clear explanations...
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Reply from Stephen Smith
March 24th, 2026 02:08 PM
I'm pleased to hear that the process was efficient and that you felt supported, Kimberly. Knowing that my availability and guidance helped you make confident decisions is important to me. If you have any more questions or require further assistance,...
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Your consistency, hard work, and patience!
Reply from Stephen Smith
March 23rd, 2026 01:32 PM
Thank you, Brian, for your kind words about my consistency and effort. I'm glad to know my approach resonated with you. If there's anything else you need or want to discuss, please don't hesitate to get in touch.
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About
Founded in 1997, Envoy Mortgage is an independently owned, full-service mortgage lender headquartered in Houston, TX. As a Fannie, Freddie and Ginnie approved seller/servicer, Envoy branches offer a full menu of loan products with locations across the U.S. Licensed in 49 states, Envoy branches provide outstanding customer service by offering a full menu of loan products with the tools, expertise and technology needed to support all functions of the mortgage process. For more information, visit http://www.EnvoyMortgage.com. Envoy Mortgage, Ltd. NMLS #6666.
Products & Services
Mortgage Loan Officer
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Licenses
- NMLS # 1404996
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