Tammy Gallimore Smith

Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.

After 16 years in real estate sales, I transitioned into mortgage lending in 2011, beginning my career as a Mortgage Loan Officer Assistant at Fifth Third Bank and F&M Bank. Over time, I gained a well-rounded view of the industry—not just from working with clients directly, but also behind the scenes as Operations Manager at Highlands Residential Mortgage.

Now, as a Loan Originator at Highlands Residential Mortgage, I combine experience, insight, and heart to guide individuals and families through the home financing journey. Whether you’re buying, refinancing, looking into a HELOC, or just curious about your options—I’m here to help you feel informed and empowered every step of the way.