David W. Smith

Senior Loan Officer
NMLS: #188852
Phone: 304.283.8337

David was wonderful at communicating and explaining the entire refinance process. He made the entire thing painless! I appreciate all the time he took to help me and answer all my questions.

  • MW

    Meredith Kaitlyn Martinsburg, WV

    01 April 2024

The mortgage that’s right for you.

Whether you’re a first time home buyer or buying your dream home, I’m here to help you understand your financing options and find a mortgage you can manage.

Our Peace of Mind Process

Let’s
Talk About You

Let’s talk about your current financial situation and goals to determine loan options that work for you.

Apply
Online

HomespireGO® makes getting pre-approved for a mortgage effortless! Apply online in as little as 10 minutes.

Let Us Do The
Work

Once you submit your application, we’ll work our mortgage magic to get you pre-approved and fully underwritten.

Clear To
Close

Our three favorite words! Your loan is approved and we’re ready for settlement day!.

Ready. Set. Home.

Apply for a mortgage in as little
as 10 minutes.

Digital Mortgage Experience

An experience you’ll love, from your couch to the coffee shop! Apply for a mortgage in as little as 10 minutes, then conveniently upload and e-sign documents within the app.

Peace of Mind

Goodbye paperwork! Securely scan and send mortgage documents for total peace of mind, knowing that your information is kept private.

Real-time Updates

Stay up-to-date with real-time notifications on the progress of your application and watch your loan move from approval to closing!

Download the HomespireGO® App

for an effortless mortgage experience.

Hear From Real Clients

Highly rated reviews from happy homeowners!

Hear from Happy Homeowners

See what my clients are saying

  • David was wonderful at communicating and explaining the entire refinance process. He made the entire thing painless! I appreciate all the time he took...read more

    MW
    Meredith Kaitlyn Martinsburg, WV
    01 April 2024
  • David worked in a very timely manner to help me attain a home loan. He walked me through every step of the way to ensure I understood everything he wa...read more

    AB
    Aaron Eugene Morgantown, WV
    20 February 2024
  • This was my first time buying a home and David was very patient and helpful when it came to all my questions and concerns. We really worked as a team ...read more

    EK
    Elaine A Martinsburg, WV
    06 February 2024
  • David was always available any time of day or night.He keep us informed at all time's he has also reach out to US after the sale .He will always be wh...read more

    JA
    Jeannette Elizabeth Martinsburg, WV
    05 February 2024
  • David was clear about his communication and frequently checked to see if I had questions. He found answers and helped provide insights I needed.

    DM
    Dwight J Martinsburg, WV
    09 October 2023
  • I’m very happy with the service. Thank you.

    JS
    Jenny M Inwood, WV
    03 October 2023
  • David went above and beyond for us! This was our second time using him as our loan officer and I truly couldn’t recommend him enough. He answered al...read more

    CL
    Cameron P Martinsburg, WV
    11 August 2023
  • David W. Smith

    Senior Loan Officer | NMLS: 188852
    Martinsburg
    Phone: 304.283.8337

    1008 Winchester Avenue

    Martinsburg, WV 25401

    ABOUT ME

    Why did you choose a career in the mortgage industry?

    I chose this career for the positive impact that I can have on other people's lives. I was fortunate to be presented with an opportunity that utilizes my financial background to help people and while also fitting into my lifestyle.

    What do you enjoy most about your work?

    I enjoy building relationships the most! One of the best feelings of accomplishment is when I help a first-time home buyer achieve the dream of home ownership! Being a financial asset to others, either by counseling them on credit or utilizing their equity to their maximum benefit, is also very rewarding to me

    What are 3 words past clients would use to describe you?

    Dependable, thorough, knowledgeable.

    What excites you most about life?

    Watching my daughter blossom into a beautiful person, both inside and out.

    How do you give back to your community?

    I enjoy supporting the local high schools. Giving back to the youth is important to me.

    How do you enjoy spending your free time?

    I enjoy high school football, spending time with my family, trying new recipes, playing poker, and playing fantasy football.

    What quote motivates and inspires you?

    “Dreams don’t work unless you do!" - John C Maxwell

    What's the best movie of all time?

    The Shawshank Redemption

    LICENSE INFORMATION

    Licensed in MD, VA,WV.