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Your Local CrossCountry Mortgage Loan Officer

Joe Smith

  • Branch Manager / SVP
  • Boston, MA Mortgage Loan Officer
  • NMLS #481139

I’m a Scotsman Guide Top Originator

Hi, I’m Joe Smith, a Scotsman Guide Top Originator with 30+ years of mortgage experience. Based in Boston, I serve clients across New England, FL and CA, delivering tailored solutions with speed, clarity and care. I lead a trusted team — Harold Dolden, Jeff Nelson, and Minh Tran — who share my commitment to responsive, high-touch service.

As a senior advisor with  America’s #1 Retail Mortgage Lender, I offer direct access to competitive rates, exclusive programs, portfolio loans and expertise in condo lending, including warrantable, non-warrantable and new construction properties. Licensed in MA, CT, RI, NH, ME, FL & CA, I help clients navigate cross-state transactions with ease. We handle conventional, jumbo, FHA, VA and self-employed loan solutions with a focus on smooth, on-time closings.

Outside of work, I enjoy life with my partner, Scott and our sons, Ayden and Owen. A portion of every commission supports causes like The Trevor Project, GLAAD, Bridge Over Troubled Waters and more.

Joe’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Neutral living room with fireplace.
A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

For full terms and conditions, visit ccm.com/buynowrefilater

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Inspiration for your home loan journey

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Young People Are Struggling to Buy Homes — But Some States Tell a Different Story

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

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Frequently asked questions

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