Zala Smith 
Mortgage Loan Originator 
Clovis Branch 
Office: 575-935-4500 
Direct: 575-935-4501 
Fax: 575-935-4499 
NMLS ID#: 470797 
As an experienced home loan consultant, I am proud of my association with New Mexico Bank and Trust.  Whether you are looking to purchase or refinance, New Mexico Bank and Trust offers highly competitive rates and fees, a wide range of loan options, and we strive to make the process as fast and easy as possible! 
I have a highly diverse background which includes experience as a loan officer, Realtor, seller, buyer, investor and developer; along with many years of experience in accounting and finance as well as a degree in Business.  My diverse background brings a unique perspective to lending, as I have literally “walked in your shoes” and understand the transaction from your perspective. 
As a specialist in VA and FHA lending, I have successfully closed hundreds of VA and FHA loans and thoroughly understanding the process,  thereby  helping  you easily navigate the maze  of paperwork required.   
Now is the time to buy or refinance, interest rates are at an all time low!  Whether you are still shopping for your dream house, or have already found it, I invite you to consider the many benefits that can be provided by New Mexico Bank and Trust and an experience loan officer. 
My team and I look forward to exceeding your expectations.  You can count on us to provide reliable answers to your questions, innovative options for your home financing needs, and most importantly, outstanding personalized service during each step of the loan process.  Welcome Home! 
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