Amber Smith - City National Bank

Amber was absolutely incredible throughout our home loan process! She truly went above and beyond, making everything feel personal and tailored to our family’s needs. Her communication was outstanding from beginning to end. She kept us informed every step of the way, explained everything clearly, and was always quick to answer questions. What can be a stressful process felt smooth and manageable because of her guidance. I’m so grateful for her dedication and would highly recommend her to anyone looking for a knowledgeable, responsive and truly caring mortgage professional!

As a first-time homebuyer, I was understandably nervous about the entire process, from securing financing to navigating all the paperwork. However, working with Amber completely changed my experience. From the moment I reached out, she made me feel supported, informed, and confident in my decision-making. What stood out the most was Amber's incredible communication. Every question I had—no matter how big or small—was answered promptly and with patience. She took the time to explain things in a way that was easy to understand, never making me feel overwhelmed or rushed. I never once felt like I was in the dark about what was going on with my loan or what steps I needed to take next. In addition to Amber's excellent communication, the entire process was seamless. From pre-approval to closi

My wife and I had the pleasure of working with Amber as first time home buyers and we cannot praise her enough. Amber goes above and beyond traditional loan officer duties, helping in every aspect throughout the home buying process. From running numbers during initial house-hunting to guiding you through closing day, Amber is consistently eager to help while maintaining a bright and optimistic attitude. Amber makes herself available at all hours of the day and shows a true passion in her work. If you’re in need of a mortgage loan officer, Amber is the ultimate one stop shop for all your home buying needs.

I have worked with Amber Smith from Bay Capital Mortgage on 2 separate occasions now. I cannot put into words how amazing she is at her job. She ALWAYS answers the phone, is always so communicative about where we are in the process, as well as what she needs from me to keep everything on track. The mortgage process is totally stress free with Amber and her team, and to me, that is the BIGGEST thing of all. I am in the Real Estate industry and work with a lot of different lenders all the time, but Amber is by far the best, sweetest, and most helpful, and she is the only lender I will ever consider using for my personal transactions. I would give her and Bay Capital a million stars if I could!!

If only there were more than 5 stars to give Mitch and Amber. They went above and beyond the call of duty in the craziest market ever to ensure we had every opportunity available to us to find the home of our dreams. They worked with us day in and day out throughout the mortgage application and home purchasing process while we were out of the country. It was challenging to purchase a home while abroad and we did not make the process easy on them, but their ingenuity and complete understanding of the market is the very reason we qualified for a loan and were able to find everything in a home that we were looking for. We can’t thank them enough for their tireless efforts and we recommend them to anyone in the market for a mortgage lender. We sincerely hope they are on our team for our next h