About Amber Smith

With nearly a decade of experience in real estate and a strong foundation in mortgage banking and product strategy, I’ve built my career on helping people confidently achieve their homeownership goals. I take pride in making the lending process clear, approachable, and tailored to each client’s unique financial picture. Whether you’re purchasing your first home, refinancing, or investing, I provide thoughtful guidance designed to make every step seamless.

Born and raised in Tallahassee and a proud graduate of Florida State University! I bring a deep understanding of the local market and a genuine connection to the community I serve. I specialize in working with first-time homebuyers, investors and clients at all stages of their homeownership journey, taking a proactive approach to fully pre-approve clients and position them for success from the very beginning.

I believe strong relationships—not just transactions—are the foundation of this business. Through clear communication, trusted expertise, and a people-first mindset, my team and I are committed to delivering a smooth, transparent experience from contract to close. I would truly love the opportunity to be part of your homebuying journey and help you move forward with confidence.

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850-228-4647

1825 Benado Lomas Dr Tallahassee, Florida 32317

Copyright 2026. All rights reserved. Amber Smith NMLS #1955161 | Equal Housing Opportunity | Equal Housing Lender

Disclaimer: The ICE logo displayed on this website refers to ICE Mortgage Technology, a trusted provider of digital solutions for the mortgage industry. Bay Capital Mortgage has no affiliation whatsoever with U.S. Immigration and Customs Enforcement (ICE) or any other law enforcement agency. We do not share, transmit, or disclose any loan application or borrower information to ICE immigration enforcement. All borrower data is handled securely and in compliance with applicable privacy laws.

2553 Housley Road, Suite 200, Annapolis, Maryland 21401

410-974-6044   |    [email protected]

Company NMLS #39610