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E. Rafford Smith
Mortgage Banker | NMLS# 1869762
Huntsville, AL | Banking
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Member FDIC. Equal Housing Lender. FirstBank Institution NMLS# 472433
About E. Rafford Smith
ABOUT Self-professed as a waking adventurer, E. Rafford Smith brings tons of compassion, energy and determination into the mortgage industry from his every-day interactions in Huntsville, both from childhood and now as a single guardian of two wonderful nephews: Kieron and Marcus. In his spare time, he loves to binge-watch various shows with the boys, dine with friends around town, and devour the latest in literature. He has also written and published his own fiction novel with characters based in Huntsville. FOCUS As the Junior Loan Officer of The Bobby Matthews Group, Rafford’s heart is in sharing his knowledge of residential mortgage loans for existing homes, second homes, investment properties, renovations and even new construction. He is passionate about the Huntsville community learning more about financial stability and recognizing homeownership is within reach. With teamwork and mutual respect, he helps clients discover the products and resources to unlock their dream of becoming a homeowner. BACKGROUND After serving as a Carpentry & Masonry Specialist in the US ARMY, Rafford worked admin for construction companies and real estate attorneys. He then transitioned into a thriving position in Construction Lending. Years later, he moved into Client Account Services before landing in Mortgage Lending, where he maintains longstanding relationships in community development and fair lending. Rafford has volunteered with Junior Achievement of Huntsville, United Way of Madison County, and Harbert Hills Academy in Tennessee. He currently sits on the Community Advisory Board for Thrive Alabama, a federally qualified health center. His military experience, business awareness and growing expertise in Conventional, FHA, USDA and VA loans give him a unique perspective in reinvesting in the Huntsville community and adding value to the mortgage industry.