2026-06-16T16:41:08.650Z

Amber Smith was amazing to work with during our home buying process. She is knowledgeable, responsive, and took the time to educate us on the process rather than just reviewing our information and moving the paperwork along. She was also able to offer competitive mortgage rates. I would recommend her to anyone looking for a lender, and would love to work with her again if we were in need of a home loan.

2026-02-25T02:54:02.476Z

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!

2025-03-25T19:32:59.817Z

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 closing, everything went smoothly. I was kept up to date at every step, and she worked tirelessly to ensure I had the best possible mortgage terms for my situation. As someone using a VA loan, I was especially impressed by how educated and knowledgeable Amber was about the specific requirements and benefits of the VA loan. It made such a difference to have a lender who not only understood but was deeply familiar with the ins and outs of the VA loan process.I also appreciated how Amber went above and beyond to make sure I understood all the available loan options and helped me find the best fit. As a first-time buyer, it was important to me to feel like I had a partner in the process, not just a transaction. I can honestly say that Amber made my home-buying experience not only possible but enjoyable.If you’re a first-time homebuyer—or anyone looking for a reliable, knowledgeable, and caring lender—I can’t recommend Amber enough.

2024-09-20T14:58:37.320Z

Amber smith was a really big help. Glad she was there to help me through the process. Will definitely be keeping in contact with her for any More properties in the future.

2024-06-05T15:29:23.688Z

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!!

2024-04-18T18:45:27.681Z

Amber and Mitch were so great to work with. They really made the home buying process simple and were always available to answer all of our questions quickly. I highly recommend!

2024-04-11T15:13:26.575Z

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.

2024-04-10T18:19:46.550Z

Amber is amazing and I recommend anyone to her I had no idea how to even start on the process of buying my first house and she made it so simple and easy answered every question I had she’s the bomb!

2023-03-17T18:02:06.633Z

Mitch and Amber were amazing! They worked hard to ensure the buying process went smoothly. Very knowledgeable and professional. Thank you!

2022-03-25T19:29:04.038Z

2022-03-23T21:44:30.425Z

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 home purchase.

2022-03-22T07:53:07.785Z

Thank you Mitch and Amber for all you did for me. You guys truly went above and beyond to help me. God is great!!! I'm loving my new home.

2021-12-14T19:38:24.847Z