---
canonical_url: https://lendb.ai/lo/caroline-smith-2107073
json_url: https://lendb.ai/lo/caroline-smith-2107073.json
nmls_id: 2107073
last_verified: 2026-10-09
---

# Caroline Smith

Senior Loan Officer at First Heritage Mortgage. NMLS ID 2107073 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107073)).

**Summary:** Caroline Smith (NMLS 2107073) is Senior Loan Officer at First Heritage Mortgage. Lists Georgia, North Carolina, South Carolina and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, VA loan, Real estate investor and Vacation home. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://fhmtg.com/officers/caroline-smith/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://fhmtg.com/officers/caroline-smith/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://fhmtg.com/officers/caroline-smith/
- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://fhmtg.com/officers/caroline-smith/
- **Vacation home** (`vacation-home`): lender page, confidence 0.75, verified 2026-10-09. Source: https://fhmtg.com/officers/caroline-smith/

## About

Caroline Smith is a Senior Loan Officer with expertise in residential, FHA, and VA loans. She specializes in helping first-time homebuyers, those seeking government financing, refinancing clients, and investment property buyers with comprehensive knowledge of loan origination and credit analysis.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- role: Dedicated mortgage professional with focus on helping homebuyers, owners, and builders. Source: https://fhmtg.com/officers/caroline-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/caroline-smith/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107073

## Contact

- linkedin_url: https://www.linkedin.com/in/caroline-smith-6900531b1/ (source: lender_site, verified 2026-10-09)
- View profile at First Heritage Mortgage: https://fhmtg.com/officers/caroline-smith/
- Office phone on file: shown at https://lendb.ai/lo/caroline-smith-2107073#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107073
- lender_site: https://fhmtg.com/officers/caroline-smith/

Cite as: Caroline Smith (NMLS 2107073), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/caroline-smith-2107073, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._