Bo Smith
Providing innovative service and mortgage guidance to help select a residential loan program for each individual client is our main goal. I love working with people, and I enjoy forming relationships with my clients built on trust, integrity and hard work.
Get StartedExperience Matters
Welcome! We're glad you're here. Choosing a mortgage professional is an important decision, and we're honored you're considering Cornerstone Home Lending. Our Mortgage Branch Managers will work hard to deliver a satisfying and streamlined lending experience.
Read More About UsYou Matter
Our team is committed to helping you choose the right mortgage product and ensuring that your loan closes on time.
Read More About the TeamWhy Bo Knows Mortgages

The very first conversation he has with a potential client is Mortgage Branch Manager Bo Smith’s favorite part of the loan process. Bo truly enjoys helping others see the power of prosperity that homeownership can provide.
Bo focuses on solving problems for his clients instead of focusing on the actual loan products themselves. That level of client focus makes his service remarkable and reliable. He and his team are prepared to be your guide through the mortgage process so that your dream home can become a reality!
In fact, helping clients with even seemingly difficult loans, such as those wanting to renovate a foreclosed home or those wanting to build a new home on a lot, is exciting for Bo Smith. He is energized to help clients figure out the details needed to recommend the right loan for your needs and to close the loan on time. His approach makes him a trustworthy specialist who comes alongside you to gather everything needed, so that when closing day comes, you have keys in hand.
Thanks for taking a few moments to learn about The Bo Smith Team! Our Santa Barbara Loan Officers are passionate about what we do, and we’re simply energized by helping others. Our clients love working with us – and you will, too!
We Lend In 45 States + Washington D.C.

Local Experience, Nationwide Reach
Our nationwide service means you have access to tailored mortgage solutions no matter where life takes you. We deliver personalized mortgage solutions to help you achieve your financing goals.
*Not all Loan Production Offices can originate loans in Maryland.
What People Are Saying About
The Bo Smith Team

We're committed to providing each and every client we serve with raving fan service! We hope we've earned your 5 star review!
Cornerstone Home Lending Difference
Cornerstone Home Lending | vs | Competitors |
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Latest Technology & Security | ||
Easy to Use Phone App | ||
Competitive Rates | ||
250+ | Loan Programs Offered | |
Close & Fund Your Loan in Less than 30 Days |
Prequalify
Ready to get started? Click for our online form to begin the prequalification process.
Buy a Home
Understand your home buying options and review various loan programs available.
Refinance
Know your options for paying off your mortgage. See if refinancing makes sense for you.
Calculators
Check out our calculators to get an idea of payment information and more!
Educational Library
Access Videos, Flyers & more all designed to help educate you on the Home Loan Process!
Contact Us
We're happy to answer any questions you may have about our mortgage services.
Let's Talk Loans
Mortgage guidance for California home buyers
Meet the Team
We hope you'll take time to get to know us. And we look forward to being your Lender for life!
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