Fred Smith

Fred Smith

With over 35 years in the mortgage industry, Fred Smith is proud to call Guardian Mortgage home. He comes to Guardian as a Mortgage Loan Originator with experience in both retail and wholesale environments. As the former head of mortgage lending at a Denver-area savings bank, Fred has extensive knowledge in managing capital markets, underwriting, and originations—all of which serve his customers to ensure they get the right financing. 
 
Whether it’s a construction loan, purchase, or refinancing a current mortgage, Fred is passionate about helping clients find the very best product for their needs. He says, “I have years of experience in FHA, VA, FHLMC, FNMA, and Jumbo mortgages. My clients always have my cell number and they know I’m never too busy to answer their questions. I never leave my customers in the dark.” With Fred’s industry knowledge, constant communication, and positive attitude, he exemplifies Guardian’s motto: “There is more to your mortgage than the close.” 

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