Scott B. Smith (Bank of American Fok) Mortgage and Lending



Scott B. Smith
location_on Salt Lake City, UT — Bank of American Fok
Get to Know Scott B. Smith


About Me:

When I got into the mortgage business you simply had to pay a fee and they gave you a license. You could make a living doing sub-prime loans and interest rates were in the mid 7s. My grandpa joked with me that if I could get him a 4.5% rate he would take out a mortgage on his home that was paid off...With rates now in that range I am waiting for him to make good on that deal!It now takes many hours of pre-licensing education testing at the state and national level. You still have to pay a fee, but they also do background and credit checks prior to issuing or renewing a license.I have sought out industry leaders such as Brian Buffini, Keith Ferrazzi, Todd Duncan, Barry Habib, Sue Wooodard, Gibran Nicholas, and Jim McMahan. Through coaching, seminars, and personal study I have learned the importance of taxation, the economics of mortgages, and high trust selling. Selling isn't about transactions, it's about relationships.It's not work if you do it with your friends!


I work with homebuyers and homeowners with the following neeeds:First Time HomebuyersBuilding a New Home/New ConstructionRefinanceInvestment PropertiesDebt ConsolidationBankruptcies, Foreclosures, Short SalesDivorceConventional, FHA, VA, Utah Housing, Rural Housing, HomePath, DU Refi Plus


I have helped Utah homebuyers with their purchase of new homes from McArthur Homes, J.Thomas Homes, Rainey Homes, and Garbett Homes.  It takes special care to process and close loans on new homes.  Rate Locks, documentation, and credit are all handled differently.

I have also been a top performer for Utah Housing, a premier first time homebuyer program available to first time homebuyers and single parents.

From first time home buyers to VA loans, FHA loans, USDA loans, and Conventional loans we can help you find the loan to propel you to happy home ownership.



I don't just help people get home loans. I help them create strategies to develop wealth through home ownership.