Kelle Smart

Sr. Vice President
NMLS # 104049
State Lic UT #5489346
Experience Matters

Financing a home is one of your most important financial decisions, so a lender with proven credentials should advise you.

Kelle Smart has been an award-winning mortgage lender for the past 30 years. She joined Academy Mortgage as a Shareholder and Vice President in 1996.

Kelle has helped thousands of families finance homes, and they consider her a trusted advisor and friend. Her approach is personal and professional. Clients trust her to represent their best interests with current information and sound advice. Her years of experience and success comes from her unique ability to treat each transaction is if it’s her only one. As testimony to her ability are the hundreds of repeat customers who return time and time again.

“I want your mortgage financing experience to be exceptional. My goal is to make financing a home as easy and understandable as possible. I want you to feel excited about your new home without worrying about the complexities of the process. I’ll communicate every detail clearly and work with you to find the best loan to meet your situation.”

Kelle is a lifelong resident of Salt Lake City, where she resides with her husband, son, and two golden retrievers, Leo and Finn.

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This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


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This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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I have worked with Kelle Smart for more than 20 years and have always found her to be so very knowledgeable,understanding of my clients.

—Ann R.

Kelle came with a reputation for quick, effective turnaround on closing home mortgages, and she did not disappoint. She is exceptionally pleasant, responsive and knowledgeable. I could not recommend her more highly

—Ronald L.

Kelle was terrific from the start, and I really appreciated her thoughtfulness and diligence.

—Michael T.

Would recommend to anyone! And will.

—Beynon W.

4th mortgage with Academy. Always first rate, great communication, looks out for our best interests. Would recommend to anyone looking for financing.

—Daniel V.

I wouldn't consider using anyone other than Kelle Smart. She was responsive, knowledgeable, organized, and an absolute dream to work with.

—Katherine S.

I initially tried to get a loan through my credit union and had a terrible experience. My realtor told me to call Kelle at Academy Mortgage and everything fell into place from there. She took care of everything and it took away all the stress that I had working with the credit union. I have already recommending Academy Mortgage to my friends. It was such a great experience.

—Lucy C.

Kelle, is very good at what she does. i have been using her for my home loans for the past 20 years and she always does a great job.

—John T.

When I was finally under contract on a house, my first lender told me that they couldn't make the deadlines. My Realtor told me to call Kelle at Academy right away. Academy Mortgage met the deadline and ever better, got our closing date earlier than originally planned. I wouldn't use anyone else!!

—Isaac M.

I started by calling the local credit unions, they did not return calls. The first time I call Academy they answered and I had an appointment later that day. It was a good experience, everything well as planed.

—Blaine B.

Kelle Smart is clearly an experienced broker/representative. She defined the standard for timeliness and responsiveness in a very competitive industry.

—Hala T.

I have always obtained my mortgage financing from Academy Mortgage as I have found none better within the state of Utah. What I like most of all is how they live up to their word and get the job done! Their friendly, positive attitude at all times is very reassuring!

—Mark F.

Kelle from Academy Mortgage was unbelievable. We closed faster than I could have imagined and she made everything far easier than our previous borrowing experiences. I highly recommend using Academy Mortgage for a home loan.

—Mary H.

Buying our first home couldn't have been easier! Thanks Kelle and Academy for keeping it simple yet thorough.

—Rylan H.

You were fabulous, Kelle. No improvement needed

—William M.

Kelle made the process go smoothly and made sure that all my questions and concerns were addressed in a timely manner. Her calm and professional manner was just what I needed to help me take the leap and know exactly what I was getting into.

—Amy N.

Kelle was amazing! She is smart, patient, and has excellent customer service. I had a lot of anxiety about financing my first home and Kelle made the whole process easy, stress-reducing, and fast.

—Pamela C.

Excellent experience overall. The whole process seemed effortless with no surprises along the way. Kelle did a fantastic job and I would highly recommend her to any future home buyers.

—Shand L

Kelle was amazing. She was very professional, kind, knowledgeable, prompt, and very helpful. I was extremely happy and satisfied with our experience working with Kelle And Academy mortgage.

—Heather W

Jim and I highly reccomend academy mortgage to serve as a financial institution for a mortgage. Kelle smart is professional, knowledge, and kind in Her dealibf with us. My husband is disabled and she went out of her way to accommodate us. Kathy Chapman

—James C.

It meant so much for us to know you truly cared about our purchase and gave us the best advice in trying to have our new home payment fit our budget . we could not be more grateful with your assistance!

—Angelina N.

Academy Mortgage was recommended to me by a friend. This was my first home buying experience so I wasn't totally sure how everything worked. They walked me through every step of the way and exceeded my expectations in every way. I will never use anyone other than Academy.

—Dina C.

After ten years of renting, this was my first ever home purchase. Without Kelle's advice, support, and diligence, the purchase would not have been possible. She was patient, honest, genuinely nice, and highly communicative. Even after a purchase contract did not work out for one home, Kelle and the staff at Academy Mortgage had things up and running again soon after I put in an offer for the house that did work out.

—Colin B.

Everything was great and friendly. It was all done in a timely matter with my best interests put first. I am very pleased with the service I received.

—Jessica P.

Very helpful with explaining information and providing me with information that I needed in order to make the best financial decision for a new home.

—Amme S.

Academy Mortgage delivered our residential loan on time, at the price quoted and without all the additional document requests so common with traditional bank financing. Kelle Smart was professional, informed and made the process easy. We would highly recommend their services. Mike and Dianne Meacher

—Michael M.

Kelle and Academy Mortgage are on their game. Kelle knows the business and exceeds all expectations of the Client.

—Sue L.

I am retiring and needed to refinance my home and also take care of some home improvements. Kelle understood my needs and helped me to sort out everything I needed to do to refinance my home. She was absolutely wonderful to work with and made it a good choice to refinance with Academy Mortgage.

—Barbara K.

Kelle was a pleasure to work with and made buying a new home, in a new state so simple. Her response time to any request was super speedy and she even helped us close on our home 5 days early! Thank you Kelle!!

—Maurice R.

Kelle was amazing to work with through the entire process.

—Sara D.

Kelle was amazing to work with. She is so knowledgable and was able to explain the ins and outs of everything.There were no surprises and everything went smoothly. I will reccomend her to anyone and everyone!

—Roy C.

Though we are relatively new to the area and were not familiar with Academy, we have been delighted with the introduction to them through out agent. The service and communication we experienced with Academy was top notch and we could not have asked for more.

—Alan C.

Kelle was always on top of everything, making sure that I knew what my next steps were at every step of the home buying process. Buying my first home couldn't have been easier with Kelle's help!

—Stephen D.

Kelle made the process go smoothly and made sure that all my questions and concerns were addressed in a timely manner. Her calm and professional manner was just what I needed to help me take the leap and know exactly what I was getting into.

—Amy N.

Kelle was so helpful in helping me finance my first/new home. I was very worried that I did not know enough about real estate when I first went into this experience, but she provided me with all the information I needed and helped e understand everything I needed to know so I never felt left in the dark or uninformed about anything during this process. I am very grateful for all of her help!

—Tessa W.

Kelle is fantastic. She was very knowledgeable and everything went very smoothly.

—Dan L.

Kelle stays on top of everything. My experiences with her are always worry-free.

—Tony M.

I think Kelle smart and her very experienced team are the best of the best lending organization, period!

—Ann R.

Kelle and her staff were very dedicated to meeting our deadlines and went above and beyond to find us a mortgage solution and close the competitive loan last minute in a matter of days.

—Sean W.

Super friendly and wonderful communication. You made the whole experience effortless for me!

—Jennifer D.

As a first-time home buyer, Kelle made the experience both informative and enjoyable. Her patience, availability, approach-ability, knowledge base, and professionalism were greatly appreciated.

—Travis L

Kelle is professional, knowledgeable, and personable. I never once worried about the process of getting a loan. She kept us "in the know" at all times and went out of her way to find the best loan for us.

—Nicole W.


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