Joseph Smith
Branch Manager

Guaranteed Rate is the #1 Mortgage Lender in Massachusetts with a 95% Customer Satisfaction score. We are also the creators of the worlds first digital mortgage.

Joseph Smith is one the top loan officer in Boston, MA and one of the top loan officers in the country with over $3.5 billion in funded loans. Starting his career in the mortgage industry over 25 years ago, he has had consistent and overwhelming success serving areas of Boston, MA such as Back Bay, The South End, South Boston, and Dorchester. However, Joe is certified in all 50 states and has years of experience funding mortgages for people all over the country. For the year of 2018, Joe Smith was ranked #38 in Mortgage Executive Magazine's Top 200 Mortgage Originators in America and was included in the top 1% of mortgage originators in the country. He was also ranked #92 in Scotsman Guide's Top Originators in America in 2017. He has been a member of Guaranteed Rate's President's Club since 2012 and in 2015 he was appointed to the prestigious Chairman's Circle, an executive club for loan officers who generate over $100 million in annual loan volume. He has held a spot in the club since.

Joe is extremely hardworking and always gives the customer his undivided attention, making the process of obtaining a mortgage smooth, simple, and ultimately successful. Joe and his team work with many different down payment assistance programs, supporting their clients and walking them through what some find to be a stressful process. They strive to close loans quickly and are experts at searching out the best rates for their customers qualifications.

Joe's customers describe him and his team as extremely dedicated and responsive, keeping continuous communication throughout the whole process, while responding to questions and taking urgent calls even on the weekends. They are organized, efficient and handle what can sometimes be a lot of paperwork and documentation, with care, responsibility, and attention to detail. With help from his amazing team, Joe provides clients with a truly excellent, full service experience, creating lasting relationships with thousands of loyal and trusting customers. Prior to becoming a branch manager at the Boston office, Joseph attended college at the University of Southern California where he received his Bachelor of Science in Industrial and Systems Engineering. He then went on to receive a Master of Science in Industrial and Systems Engineering from USC and an MBA from Bentley University in Waltham, MA.

He now lives in Brookline with his partner Scott and their two sons, Ayden and Owen. In his down time Joe enjoys running, fishing, skiing and playing with his sons.

A portion of all sales goes to the Victory Programs, a Boston-based nonprofit organization dedicated to helping individuals and families who are homeless and may have substance use disorders, often accompanied by chronic health issues like HIV/AIDS, Hepatitis C and mental illness, as well as GLAAD, Community Research Initiative (CRI), the Trevor Project and the Guaranteed Rate Foundation.

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