Reviews for Richard Smith
Cynthia W
January 10, 2020
Richard and I spoke everyday concerning the process. He explained each document for signature and was excellent on follow up.
Reviews for Richard Smith
Katherine S
December 28, 2019
My husband and I started our first home buying experience with a different company. After WEEKS of struggling to get anything completed for our loan we decided it was best to go with a different mortgage company which lead us to Richard. From our first meeting it was very clear how knowledgeable he was about the industry. Throughout the entire process Richard kept us updated on where we were in the approval process and what was needed from us. In every aspect Richard was great to work with!
Reviews for Richard Smith
Benny A
December 25, 2019
Richard went above and beyond to make sure our family was able to purchase our dream home. And he did it before Christmas. Being able to surprise our boys with a new home will always be one of the greatest memories. Richard is incredibly thorough. I like to think of him as the 'doctor of home mortgages'. He anticipates the best but plans for the worst. We knew that will him on our side, there would be no stone left unturned and that we would be getting our home.
Reviews for Richard Smith
Michael S
December 23, 2019
Did everything possible, made the buying a pure pleasure
Reviews for Richard Smith
Courtney S
December 12, 2019
Very pleased with my experience with Richard. He made everything about the process extremely easy.
Reviews for Richard Smith
Brian D
December 10, 2019
great working with you
Reviews for Richard Smith
Kerri S
December 7, 2019
He was efficient and knowledgeable.
Reviews for Richard Smith
Gloria P
November 1, 2019
I'll be happy to refer more people needing a loan straight to Richard!
Reviews for Richard Smith
Gloria P
November 1, 2019
I'll be happy to refer more people needing a loan straight to Richard! He was very thorough and we closed on time without leaving any of the seller's money on the table! He was awesome! I am a Realtor and HE is the one I used to buy my new home!
Reviews for Richard Smith
Cameron F
October 13, 2019
Richard went out of his way to make sure we had what we needed, and was very thoughtful in his communication with us.
Reviews for Richard Smith
Crystal D
September 11, 2019
Richard was great with working with numbers to help benefit my purchase and overall loan process.
Reviews for Richard Smith
Stanley W
September 3, 2019
Richard not only gave me an idea of what was going on in the moment, but what would be necessary next. Additionally, he was available any time I needed clarification on what needed to be done. Thank you, Richard!
Reviews for Richard Smith
Ron H
July 19, 2019
Richard was very good at communicating with us and providing information to make the application process and then the loan processing and closing very easy.
Reviews for Richard Smith
Alina S
June 26, 2019
He is great!
Reviews for Richard Smith
Jonathan K
June 7, 2019
Richard went above and beyond to answer any questions we had and to make sure we were comfortable with any decisions we made. We will certainly recommend him to anyone buying a home.
Reviews for Richard Smith
Courtney C
May 24, 2019
Richard was awesome to work with. He communicated the whole process to me and was always helpful when I had any questions.
Reviews for Richard Smith
Michael P
May 22, 2019
Richard went above and beyond, and was amazing through the whole process!!!
Reviews for Richard Smith
Frances B
May 10, 2019
Everything!! Richard was more like a friend to us while we were trying to buy a house!! He was polite and very professional.. will definitely recommend to anyone
Reviews for Richard Smith
Joey B
May 7, 2019
He was on top of everything and worked with us and answered The phone or text us back on our? He worked hard on helping us get our house and it all paid off. Thanks
Reviews for Richard Smith
Hannah K
April 25, 2019
Great communication and he really tried to get stuff done as fast as possible!
Reviews for Richard Smith
Michael K
April 22, 2019
Richard was always very proactive with communication. Furthermore, he took the time to break down our options and help us (first-time homebuyers) navigate the whole mortgage process. I felt like I had an advocate. I've already recommended him to a family for their mortgage loan needs.
Reviews for Richard Smith
MichaelKochenburger
April 22, 2019
Richard was always very proactive with communication. Furthermore, he took the time to break down our options and help us (first-time homebuyers) navigate the whole mortgage process. I felt like I had an advocate. I've already recommended him to a family for their mortgage loan needs.
Reviews for Richard Smith
Elizabeth S
April 17, 2019
Richard made the entire home buying process quick and easy. He was very prompt on getting all paperwork to me. I really enjoyed working with him and highly recommend him!
Reviews for Richard Smith
Bentley C
April 8, 2019
Richard is an incredibly hard worker and jumps through all of the hoops to make sure you get what you need. He was willing to go the extra mile, multiple times, to ensure that the deal closed.
Reviews for Richard Smith
Jennifer S
March 28, 2019
Getting a loan was hassle free!
Reviews for Richard Smith
Arnold R
February 15, 2019
Easy clear communication and very prompt response to all situations. Richard is very personable and highly proficient at his craft.
Reviews for Richard Smith
Robert R
November 25, 2018
We loved working with Richard, he made sure to explain everything from start to finish. We would definitely recommend Richard Smith to anyone looking to get a mortgage loan.
Reviews for Richard Smith
ericswashburn
November 13, 2018
We are so thankful to have introduced to Richard Smith. He did a excellent job handling our home loan. We were impressed with his knowledge of the process and his staying in communication with us. Richard Smith is very personable and genuinely cares about the families he works with. We highly recommend him as a loan officer!
Reviews for Richard Smith
Jessica C
November 8, 2018
Richard was constantly keeping me in the loop with updates and was always available if I had any questions. He made the home buying process very enjoyable!
Reviews for Richard Smith
Eric W
November 8, 2018
Richard Smith did an excellent job of communicating with us throughout the entire process. He is very knowledgeable about the home-buying process. Richard provides access to resources to help us search for a home, and keep up with the progress of our loan. We are thankful to have had such a skilled professional to handle our home loan.
Reviews for Richard Smith
Tara M
October 19, 2018
Richard was a pleasure to work with. I was always able to get a hold of him and he was always ready to answer any and all questions that we had. He was efficient and helped us over any hurdles we encountered during our process. I would highly recommend Richard and Fairway Mortgage. Actually, I already have. :)
Reviews for Richard Smith
Tara M
October 19, 2018
Working with Richard was a pleasure. He was helpful, patient and very friendly. He assisted us with every hurdle we encountered and always put my mind at ease when things got stressful. I would highly recommend Richard and Fairway Mortgage. Actually, I already have.
Reviews for Richard Smith
Wesley R
September 25, 2018
Richard smith is very precise at answering and also is very explanatory. Richard is very quick response as well as keeping you a step a head all the way to the finish line very well spoken and a friendly person. Very professional in his career.
Reviews for Richard Smith
Ruth A
September 20, 2018
Very helpful and available
Reviews for Richard Smith
Ashley M
September 19, 2018
Richard was very pleasant to work with, professional and timely. He kept my best interest in mind from day one and I would highly recommend him to anyone.
Reviews for Richard Smith
William K
September 14, 2018
Richard was easy to work with, communicated well with us about critical milestones and what we needed to provide, and made the mortgage process the least stressful part of moving. We enjoyed working with Richard throughout our transaction and would highly recommend him to anyone else needing mortgage services.
Reviews for Richard Smith
Joanabeth F
August 29, 2018
Richard was very pleasant to work with. He is friendly, kind, and very knowledgeable.
Reviews for Richard Smith
DeAndre C
August 16, 2018
Great first time experience, answered every question I had.
Reviews for Richard Smith
Wanda R
August 11, 2018
Richard went out of his way to make this process very simple and stress free. I appreciate all of his time and attention. I would definitely recommend him! Thank You Richard for an excellent job.
Reviews for Richard Smith
James R
August 10, 2018
Thank you for all you did
Reviews for Richard Smith
Marguerite E
June 12, 2018
Richard worked very hard to ensure that we would be able to make the projected settlement date. He gave us ample notice of the information required to have the mortgage approved.
Reviews for Richard Smith
William O
June 1, 2018
This was my second time working with Richard on obtaining a mortgage. Richard is extremely knowledgeable and will work to ensure the loan is approved on the first submittal. I would recommend him without hesitation.
Reviews for Richard Smith
Lanette35
June 1, 2018
Richard is a wealth of positive energy. When you're working the deal, especially if it's over the phone, he is unbelievably professional and thorough, but kind of a hard read. He's a read, though, only because he's just a super nice guy trying to help you buy a house as quickly and efficiently as possible. This was the first closing we ever had that happened on the date we were told it would. He makes everything on the business end really easy to handle. If you want at least the lender side of the process to go smoothly, go with Richard.
Reviews for Richard Smith
Kevin C
May 8, 2018
Richard was not only timely in all of our discussion but also a wonderful source of knowledge. He made sure we understood every step of the process in order to make the best informed decisions we could. This is our first experience buying a home and we are both very glad we had Richard helping us along every step of the way.
Reviews for Richard Smith
Nathan B
May 7, 2018
We had a difficult closing due to various factors beyond our control. Richard kept us informed every step of the way and he was always easy to get a hold of if I needed to ask a question. He definitely helped take a lot of the stress out of the process.
Reviews for Richard Smith
Kevin C
May 1, 2018
My wife and I have been trying to purchase a home for awhile now. Richard was recommended to us and was absolutely a pleasure to work with! He not only answered all of our questions but also took the time to explain all the details of a mortgage, PMI, rates, and pretty much everything we needed to know in order to purchase our first home! We both truly could not have imaged our first home buying experience to have gone any better and Richard played a key role in the process. My wife and I both highly recommend Richard and hope others take him up on his offer to help them setup financing for their next (or first) home purchase!
Reviews for Richard Smith
Nathan B
April 1, 2018
Richard was extremely helpful. He always answered our questions promptly and was with us every step of the way on what ended up being a somewhat complex situation. I highly recommend Fairway to anyone looking for a mortgage in Chattanooga.
Reviews for Richard Smith
Andrea K
December 1, 2017
This was my first time buying a home and I was pretty much clueless about the whole process, Richard was awesome throughout the whole thing, patient with all my questions, direct and honest (good or bad-which says a lot more about a person rather than just telling me what I want to hear to get a sale), and always available no matter what the time was if I needed help. When I'm ready to buy again I will be going with him again
Reviews for Richard Smith
lizzy0630
November 1, 2017
I found Richard Smith to be patient and thorough in guiding me through the process to apply for a mortgage. I would wholeheartedly recommend using him.
Reviews for Richard Smith
kristawn
November 1, 2017
Richard was personable, attentive, and helpful throughout the entire process. He frequently contacted me to inform me of updates without me needing to bother. He quickly resolved problems and made himself immediately available for questions. He helped make buying a house for the first time easier than I expected.
Reviews for Richard Smith
amassey623
November 1, 2017
This is the second time I have used Richard Smith to purchase a home. I called and told him we would like to close very quickly. All I had to do is get all my paperwork together and Richard did the rest. Richard has the experience and the knowledge to get you to the perfect loan for you. Richard always answers the phone each time and is happy to answer your questions. Richard is the perfect loan officer and has did a wonderful job with both my loans. If we ever decide to buy again Richard will be the first person I call. You cannot go wrong with working with such a trustworthy loan officer especially when you are financing a mortgage loan. Thank you Richard for all your hard work and help through this process once again!
Reviews for Richard Smith
syarbrough42
October 1, 2017
Richard was a pleasure to work with, he was always quick to respond and easy to communicate with. He works on weekends and met with us after work to make aure all documentation was met. We would def. Use him again and reccomend to anyone purchasing a home
Reviews for Richard Smith
user12989147
September 1, 2017
Richard was extremely helpful and hard-working! He was always available and willing to do whatever it took to get us in our new home. Being self-employed made it a bit more difficult to get approved, but despite all the extra work that required, Richard was patient with us and encouraged us throughout the whole process.
Reviews for Richard Smith
brianandaura
September 1, 2017
Richard is a professional. We needed to refi a multifamily loan and there was a lot of moving parts. Richard was organized and made sure the underwriter understood and was happy with our loan package. He looked out for our interests and delivered what he promised. I would definitely recommend Richard!
Reviews for Richard Smith
ehdyer42
August 1, 2017
Richard is a great guy who will do all he can for you. The guy is patient as anyone I've ever met (I was a first time home owner and I didn't know anything!). Richard will fight your battles for you and make life easy for you.
Reviews for Richard Smith
malh21342
May 1, 2017
Richard helped bring up my credit 100 points in 1 month. He was available to me during the hard and confusing times of buying my first home. He was personable and funny on top of being extremely knowledgable. I have been in my dream home for the last 4 months, something I would have never thought possible, because of the help of Richard Smith! Seriously, I had a fantastic experience with him and strongly recommend his expertise!!
Reviews for Richard Smith
lindsayparis08
May 1, 2017
I cannot stress enough how amazing Richard Smith was in our home buying process!! He worked diligently to get us the loan we needed, while beating everyone else's rates and closing costs. (Even popular lenders that Chattanooga real estate teams are promoting and recommending!) And believe me.... I did my research, and hands down he was the best all around. I encourage all of my friends in the home shopping process, Pre-approval process, and all of my Realtor friends to pass along his info!! You will not regret it!! He was responsive day or night , patient, and made our home buying dreams come true in this competitive market as a buyer!
Reviews for Richard Smith
user65034094
February 1, 2017
I called Richard with a basic question because we had a somewhat complicated situation. I just was looking for a short yes or no to see how to proceed and he took the time to discuss every option we had which he had no obligation to do with someone in our situation. We are moving forward in process and we are using Richard.
Reviews for Richard Smith
zuser20160727153620639
February 1, 2017
Richard did a great job getting us through the mortgage process. He was always available to meet in person or on the phone. I would highly recommend him if you are looking to buy a home.
Reviews for Richard Smith
its m
January 1, 2017
I had a more complex loan as a business owner and Richard went above and beyond to help me. I really appreciate everything he did and definitely recommend him to anyone.
Reviews for Richard Smith
stephlgrant
January 1, 2017
He was great explaining the process to us!! He was very helpful!! He was very thorough and making sure we had all documents needed for the closing! Definitely would recommend him as a broker!!
Reviews for Richard Smith
JBBranam
September 3, 2016
Richard walked us through the process of buying our first home. We wanted to purchase through the FHA loan program, but were turned away by other loan officers and told that the house purchase wasn't eligible for it. This was actually not the case and Richard put in all the extra work to get us our house, plus the loan for the remodeling. He was always quick to respond and answer any questions. Thanks Richard!
Reviews for Richard Smith
abhodges86
August 24, 2016
Richard was absolutely amazing to work with! We came to him not knowing what we wanted to do housing wise. He sat down with us multiple times to help us figure out how much we could afford and helped us devise a plan. Once we found the house that we wanted he walked us through the entire process. The home we purchased was a log home which made it a more difficult process when trying to get USDA financing. I had MANY stress filled days and he listened to everything I was concerned about and was very prompt in getting back with me. He was with us every step of the way....even came to closing with us. I would recommend him to anyone! Thank you Richard!
Reviews for Richard Smith
bhopkins290
August 23, 2016
I first met with Richard before I started visiting houses to buy. He called me within the first 5 minutes of submitting my info. He helped me to know exactly what price range that I could be looking in. He also connected me with a Realtor. Richard was very quick to respond when I email or called him. He was very patient with me as a first time home buyer with a lot of questions. He is very knowledgeable. I truly enjoyed working with Richard.
Reviews for Richard Smith
Jerrymcdowell423
August 10, 2016
I was coming out of a bankruptcy and Richard went above and beyond to give me advice on how to improve my credit to help ensure I could be approved for a home. He even helped me find my home owners insurance. He always took my calls even if it was off hours including weekends.
Reviews for Richard Smith
aplusext54
August 1, 2016
We bought a vacation home with Richard. As a self employed business owner the process is more difficult. Richard helped all the way through. It was a very easy process. I would tell anyone to use his service especially if you are a business like me.
Reviews for Richard Smith
zuser20160101091616009
July 1, 2016
This is the second time we have worked with Richard Smith. Both purchases were out of state and he was very helpful in making the process easy for us.
Reviews for Richard Smith
becca b
July 1, 2016
Richard Smith simplified the daunting task of buying our first home. He put us at ease, gave clear answers to our (many) questions, and made himself available throughout the process. Extremely professional, knows his stuff, and is a super nice person! We highly recommend this lender.
Reviews for Richard Smith
user67720490
May 31, 2016
Richard was extremely helpful and and quick to reply to us during our home purchase process. Richard helped us with our 203k streamline loan, which we were told would be difficult by others. Richard navigated this loan with ease, guided us through the process, and helped us easily close on the streamline loan. Richard was accommodating with our schedules and met with and called us multiple times throughout the process (often answering questions and giving helpful advice on the overall home buying process outside of the loan, as well). We would definitely recommend him to others and will use him again when the time comes.
Reviews for Richard Smith
willey3434
April 13, 2016
When my wife and I purchased our first home Richard was with us every step of the way - from the moment we made the first offer, to the day we closed, and he even answered questions several weeks after we moved in. To be completely honest, I am a skeptical person and felt like mortgage lenders/brokers could not be trusted. As time went by Richard always exceeded my expectations and I learned that he always had our best interest in mind. Richard is an expert in every facet of the real estate and mortgage lending industry. He is a true professional and a master of his trade. I cannot thank Richard enough for the effort he put into making our home buying process seamless.
Reviews for Richard Smith
macmac102804
March 29, 2016
Very professional! I would recommend Richard to anyone. He was extremely helpful and polite during the process of closing on our new home! Richard took the time to meet with us after normal business hours on multiple occasions. He was always available to discuss progress on the loan, and guided us through the process every step of the way. Following this conclusion, I would say that Richard is now a close personal friend, and I would certainly urge anyone purchasing a home to contact Richard for assistance in processing the loan. He worked with us to ensure that we received best available interest rate. Richard was very knowledgeable, and I had complete confidence in his expertise. I was very comfortable conducting business with Richard.
Reviews for Richard Smith
jtgreen1868
January 21, 2016
Richard was absolutely great. He is very professional and very prompt when it came to answering his phone or emails. He helped me and my wife buy our first home and it always felt like he was on our side. He helped us with every step along the way he even recommended the realtor that we used. He is very knowledgeable and answered every question we had. Richard has even helped me since buying the home. Richard you are the man.
Reviews for Richard Smith
peceangel40
December 29, 2015
Mr. Richard Smith is an amazing person. When I was referred to Richard I had been working with another Mortgage company for months. They had me crying and putting ridicules requirements on me and my husband daily. We were a first time home buyer and walked into the process blindly. Richard stepped in took the time to educate us along with teaching the right way the home purchase was suppose to be. We had closed in a month after Richard taking over. He is down to earth and talked to us on our level and that was very important to us. HE IS OUR HERO!
Reviews for Richard Smith
JDDeming
August 31, 2015
Richard Smith was incredible to work with. From start-to-finish, he was with us the whole way. His strong point was his responsiveness and communication - not only getting back with us quickly with answers, but also proactively reaching out to us with what was needed to get the job done. If you need a good lender who is honest and will work hard for you, look no further! Thank you, Richard!
Reviews for Richard Smith
jamie w
March 18, 2015
Richard was great to work with in what can be a very stressful process. Any time we called or texted him he always responded in a timely fashion which made us feel like we were important to him. He answered any questions we had and if he wasn't sure of the answer he would find out. He kept us in the loop on during the entire process. It was an absolute pleasure working with him and his great personality. If the time comes again we will certainly use him again.
Reviews for Richard Smith
vanessakennedy120592
March 5, 2015
Richard Smith was a wonderful lender to work with. He was very helpful in breaking down information for us to understand how buying a house works. He's also very humorous at times, and could always make us laugh. My husband & I really enjoyed having Richard as our lender and I'm sure other people will enjoy him as well.
Reviews for Richard Smith
lindsey c
February 17, 2015
My husband and I were first time home buyers when Richard Smith was recommended to us by our realtor. From the very first meeting, he made sure that we understood all of the conditions for each and every single choice we had to make throughout the process. Richard was very knowledgeable and had no trouble getting people like us, with no understanding of the processes or terminology, comfortable with all of the information being thrown at us. He was always there when we had a question or issue, even answering his private phone after hours, and still calls to follow up with us if he thinks we might be able to make changes to our benefit. Overall, Richard was great to work with no matter the level of home buying experience. He was an excellent guide in what I know can be an overwhelming experience.
Reviews for Richard Smith
thomasina d
February 14, 2015
My family and I relocated back to Tennessee after living in Texas for over 13 years. After purchasing and living in the same house for over 10 years, we felt like first time home buyers again. Using Richard Smith made the process simple. Richard Smith was very informative, patient, and detail oriented when it came to securing our mortgage loan. Richard made us feel comfortable with the process, taking the time to explain each step. He was very amiable, competent and thorough. Richard professionalism speaks for itself; not only do we feel like we found an excellent mortgage loan officer but a man of character that we can now call a friend.
Reviews for Richard Smith
db p
February 9, 2015
Working with Richard Smith was like a breath of fresh air for this industry. In the past, I have found myself being forced to work with several incompetent people on many different deals. On this particular transaction, there were several moving parts and many errors on the sellers and agents side. However, every time they fell short, Richard was able to correct it or find another solution to ensure we got to closing. I want to thank him for coming through in every way, going above and beyond service requirements, and helping us continue to grow in our knowledge of this industry. This rating will be perfect when he can help with my commercial interests. I hope to do business together for many years to come.
Reviews for Richard Smith
user5748900
February 8, 2015
My fiancé and I were referred to Richard in 2013. It took us a while to find exactly what we were looking for but when we did he amazed me. Richard went above and beyond to help us get everything done on time. We found our home over the holidays which caused several scheduling issues for the inspectors, banks, appraisers, realtors, etc. but every time without fail, Richard made it happen. He picked up the slack when our awful realtor didn't. I would recommend Richard Smith to anyone.
Reviews for Richard Smith
amassey623
October 1, 2014
Richard is very knowledgeable and reliable. I have worked with him now twice on two different types of purchases. I am not the easiest person to work with because of my ocd but Richard has always accommodated my needs. You can always get in touch with Richard he always readily available to answer your questions. He is straight forward and does not dance around the truth. You want someone with integrity when making large purchases and guiding you through the process. People are very lucky to find a loan officer that you can trust. I trust Richard and I highly recommend him to everyone.
Reviews for Richard Smith
rachelbraden156
January 1, 2013
I came a long way with this man there to help every step of the way!! After getting out of the Navy with the amazing help of Richard he helped my purchase my first home(2013) and my second (2016)!!! I would not have chosen anyone else. He has always been so very kind, funny, and interested in all my endless endeavors. Thank you so much Richard! I'll always use you when I decide to purchase a home!
Reviews for Richard Smith
user51647
April 1, 2012
Richard is by far the most sincere and helpful person you can hope to work with. He takes time to understand your needs and is very knowledgeable. He provided us with the best lending experience and made things clear and easy to understand. We also made a friend in the process!!!
