About Russell Smith
I’m Russell Smith—a mortgage strategist guided by faith, grounded in family, and passionate about serving people well. I’m blessed to share life with my wife, Caroline, our growing family, and I’m incredibly proud of all of our children: Anna, Andrew, Brynnan, Drayton, and Harper—and our grandchildren, Oakland and Ollie Joseph. I’m also honored to work alongside children Anna and Andrew every day.
With 32 years of mortgage lending experience, I’m more excited than ever about helping people navigate homeownership. What we deliver is called “The Experience.” Our Dream Team is built on relationships, communication, and execution, because choosing a mortgage lender is about far more than numbers—it’s about trust and strategy.
From the mountains to the coast, I’d love to be your resource and advocate. Reach out anytime—let’s start the conversation.
“Let your light so shine…” — Matthew 5:14–16
Business Hours
Awards
- 2025 Top Producer
- 2025 Top Branch
- 2025 Top Producer DSCR in Volume
- 2025 Q4 Top Producer & Elite Manager
Achievements
- Millionaire's Club 2nd Quarter 2022
- Millionaire's Club 3rd Quarter 2022
- Millionaire's Club 4th Quarter 2022
- Elite Branch Manager 4th Quarter 2022
- Millionaire's Club 1st Quarter 2023
- Elite Branch Manager 1st Quarter 2023
- Millionaire's Club 2nd Quarter 2023
- Elite Branch Manager 2nd Quarter 2023
- Millionaire's Club 3rd Quarter 2023
- Millionaire's Club 4th Quarter 2023
- Top Producer: Elite Branch 2023
- Top Producer: Elite Branch 2025
- Top Producer in Volume 2025
- Top Producer DSCR in Volume 2025
Year Started
- 1994
Have a build or flip in mind—for yourself or a client? 🏡
Join Russell Smith and CFS for a Zoom discussion on ground-up construction financing, plus an overview of fix-and-flip financing.
Real estate agents, investors, and builders—come explore financing options for your next opportunity. You don’t have to be a builder to join and learn.
📅 Today, October 1 · 2:00 PM Eastern
https://cfsgo.zoom.us/j/87464745710
📅 Monday, October 5 · 11:30 AM Eastern
https://cfsgo.zoom.us/j/82142798808
Choose the session that works for you. Scan the matching QR code in the graphic or use the links above.
Know someone considering a project? Share this invitation with them!
Russell Smith | NMLS #78989
ALCOVA Mortgage, LLC | NMLS #40508 | Equal Housing Lender
Not every home fits into a standard lending box—and that`s where we thrive.
These are real success stories of buyers who purchased large acreage properties, farms, and unique homes after other lenders said "no."
Before you walk away from a difficult deal, let`s talk. The right financing strategy can make all the difference.
Bring us your toughest transactions—we love finding solutions. 🚜🏡💪
#mortgagestrategist #loanofficer #largeacreage #uniqueproperties #farmland
BREAKING: Despite a pre-round fingernail injury and dangerously cooled coffee, Russell Smith has officially finished another round and somehow closed several loans.
Sources say there were moments he wasn’t sure he’d make it through the day… especially after his favorite pen ran out of ink.
But champions don’t quit.
They adapt. They overcome. They hit “Reply All.”
🏆 Another legendary performance from the Mortgage Championship Tour.
#TheMasters #LoanOfficer #DreamTeamAtAlcova #mortgage
My Ohio tour guides may be small, but they know all the fun places 🚘⚾️
#granddad #loanofficerlife #familytime
The Force is strong with this loan officer… guiding you home 🏡✨
May the 4th be with you—and your homebuying journey.
#MayThe4th #MortgageHumor #HomeBuying #LoanOfficerLife
Who else needed this reminder today? 🐥
I learned that I’m better at guiding homeowners than I am ducklings.
#lifelately #gratefulheart #slowmoments #worklifebalance #littlejoys dayinthelife
Yesterday is gone.
Tomorrow isn’t promised.
But today is a gift.
So many people carry the weight of past mistakes, missed opportunities, and regrets. Others spend their days worrying about what might happen tomorrow.
But Jesus reminds us in Matthew 6:34:
“Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.”
God gives you grace for this moment,
strength for this day,
and peace for right now.
Don’t carry yesterday’s weight.
Don’t borrow tomorrow’s stress.
Just walk faithfully in today.
#FaithOverFear
#Matthew634
#ChristianEncouragement
#DailyFaith
#TrustGod
#FaithMessage
#ChristianMotivation
#GodsPlan
#DailyReminder
#FaithAndLife
#WalkByFaith
#ChristianInspiration
#OneDayAtATime
It’s all about perspective. Grateful to God for helping me get to where I am today.🙌🏻
#perspectiveiseverything #loanofficerlife #mortgagestrategies #thenandnow #lovewhatyoudo
Helping her find balance on the ice ⛸️
And helping my clients find theirs on the path to homeownership 🏡
Guidance makes all the difference.
#GuidanceMatters #MortgageLife #HomeJourney
#MortgageStrategist #TrustedLender
Would your loan officer do this for you?
A little country. A little professional. Whatever you need.
Which Russell are you choosing today? 👀👇🏻
#LoanOfficerLife #HeHasRange #BehindtheScenes #WouldYourLoanOfficer #MortgageHumor
When it comes to home and auto insurance, who you work with matters. That’s why I confidently refer my clients to Black Arrow Insurance. 🏹
As a loan officer, I see firsthand how important it is for families to have the right coverage in place — not just a quick quote, but a clear understanding of what they’re protecting. Black Arrow takes the time to walk clients through their home and auto policies, answer questions, and make sure everything lines up the way it should.
I believe in surrounding clients with trusted professionals who value education, integrity, and long-term relationships. Black Arrow Insurance is a team I trust to take great care of the people I serve, long after the closing table. 🏠🚗
#HomeAndAuto #BlackArrowInsurance #TrustedPartners #ClientFirst #ProtectWhatMatters
You’ll build trust before you build deals.
Turns out, that’s the part that matters most.🤝🏼
#MortgageLife #2016 #TrustFirst #ThenAndNow #ProfessionalGrowth
Learn Before You Borrow
A smarter mortgage strategy build around you!
Maximize your VA benefit with confidence and strategy!
Build confidence before your first offer. Avoid costly surprises!
Strategize to support long-term wealth!
We gotta laugh!
