Over the years, I’ve had the privilege of helping countless clients navigate the sometimes-complicated world of home loans—and I like to think we’ve had a little fun along the way! Whether it’s crafting creative solutions, meeting tight deadlines, or simply being there when you need answers, my focus is always on making your borrowing experience as smooth and stress-free as possible. But don’t just take my word for it—hear what my amazing clients have to say about their journeys with Borrow Smart Mortgage!
Client Kudos

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★★★★★
Chris was fantastic. He helped us understand our lending options, and educated us on the pros and cons of each option so that we felt confident about our choice. He was very attentive, answering our first-time home buyer questions, regardless if they were simple or complex. All together, we were very pleased with the whole process and the way Chris partnered with us to help us purchase our home!
~ Jonathan M. -
★★★★★
Chris was the lender for some lovely buyers he referred to me! He was so thorough and responsive and had quick turnaround times. Most importantly, he was easy to get in touch with and he kept me up to date on their file the whole way through. I loved his communication and optimism!
~ Ashley F. -
★★★★★
We had such a great buying experience with Chris! He was so helpful and quick to answer all our questions. His staff is also super warm and friendly! Thank you so much Chris, we appreciate everything!
~ Valerie W. -
★★★★★
We really feel confident we got the best rate with Chris Watkins. He was super informative whenever we had questions. The team's recommendation on when to lock was perfect timing as rates started rising the weeks after we locked. Highly recommended!
~ Lorenzo C. -
★★★★★
Chris worked with my Buyers on the purchase of a home that was new construction, and the process was seamless! He is very professional and personable at the same time. My Buyers had lots of questions and he walked them through the process so well. They were very comfortable with every step. He came to the closing as well! I look forward to working with Chris in the future.
~ Beth C. -
★★★★★
Chris and his team are great! We wanted to turn a “fixer” into our next home. He was able help us easily navigate a funding process that previously felt overwhelming and complicated. His team’s communication went above and beyond to keep us in the loop and engaged. Looking forward to working together again!
~ Billy J. -
★★★★★
I wouldn't be in my new house if it were not for Chris Watkins and the dedicated, knowledgeable team at BorrowSmart Mortgage. They were flexible and helpful throughout every stage of the process and parted water to adjust my closing date so I could move in early and enjoy my new home. I cannot emphasize enough that I recommend them for your borrowing needs and would use them again in the future.
~ Chris M. -
★★★★★
Chris was very helpful and patient with us as we worked through this process. He knows his stuff - and how to share that knowledge with us. He made us feel very comfortable and worked hard to get everything finished up timely and making the process as smooth for us as possible. He even helped us move in some boxes when we got the keys!
~ Daryll D. -
★★★★★
Chris was very though and considerate. He is a person i will do business again with. I look forward to all the next projects we will work on together in the future.
~ Aaron W. -
★★★★★
Great working with Chris! We had TONS of questions and he answered all of them.
~ Kyleigh G. -
★★★★★
~ Lee S.
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★★★★★
Chris and his team were exceptionally helpful, responsive and flexible during my refinance. I can't thank them enough for their support throughout the process!
~ Dana N.