Joseph Smith

Mortgage Loan Officer

NMLS#: 704324

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Your Local Maryland and Pennsylvania Mortgage Loan Originator, Joseph Smith

Joseph Smith brings over 20 years of experience to the mortgage industry, beginning his career as an office assistant at a small broker shop. His dedication to learning all aspects of the business quickly led him to become a mortgage originator, where he’s gained expertise in everything from customer service to complex mortgage transactions. At Traditions Mortgage, A Division of ACNB Bank, Joseph Smith is passionate about helping borrowers, especially first-time homebuyers, obtain the best mortgage product that meets their needs. He finds great satisfaction in working with clients to improve their credit and budgeting, enabling them to achieve their dream of homeownership. Joseph Smith takes pride in leveraging Traditions Mortgage’s partnerships with PHFA and HomeReady/HomePossible to help more families qualify for home loans. These programs allow him to provide greater opportunities for homeownership, especially for first-time buyers and those in need of additional support.

Beyond his professional achievements, Joseph Smith is deeply involved in his community. He and his wife have been active members of the Clearview Elementary PTO for seven years. Joseph also dedicates his time as a coach, having served as a baseball coach for the Hanover Baseball League for three years and as an assistant wrestling coach for Hanover Youth Wrestling for the past four years. In his free time, Joseph enjoys attending Baltimore Orioles games, cheering on Penn State Football and Wrestling, and enjoying live music from his favorite bands. A dedicated family man, Joseph Smith is passionate about both his work at Traditions Mortgage and making a positive impact in his community.

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