Our Story

For nearly 15 years, Austen's goal is to make a difference in the community that he serves through home ownership and financing.


While attending a networking function, I was selected to be interviewed during the “Member Press Conference” section of the meeting. One of the questions that I was asked was “What is one thing that most people don’t know about me”? To the surprise of many, I answered that I am an introvert.

If you are reading this for the first time, I should say that on average I: attend 5 to 7 networking functions, meet 25 to 30 new people, and have 7 to 10 1-2-1 meetings each week. This is why most of the people in the room were surprised by my answer. Many skeptical.

8 months ago, I transitioned from a management position to a Business Development position. This week I decided to take a new personality assessment to see if anything has changed and it confirmed that I am in fact an introvert.

The reason why I have created this blog is because most people that are introverts really make the best sales people because they do not sell, they connect. Many people in sales think of Alec Baldwin’s famous quote, “ABC… Always Be Closing”, from the movie Glengarry Glen Ross . To me I see it as Always Be Connecting.

Our Approach

Austen has a passion for marketing, sales, and business. His first priority is to always operate with honesty, integrity, and a solid commitment to quality. He will never sacrifice quality for profit. In fact, he has a great amount of leverage with his business partners due to the reputation and trust he has earned by creating solutions with the client in mind. This allows his clients to rest assured that they are getting the best deal possible.

Building communities through responsible lending is what Austen does best! He has never wavered in his commitment to supporting communities. He has been involved in many charitable causes and civic organizations over the years and believes in supporting the community.


Meet the Team

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Austen Smith

Team Lead | Branch Partner
Certified Mortgage Planning Specialist


Brett Hall

Loan Originator


Danny Smith

Team Lead | Branch Partner

Certified Mortgage Planning Specialist

2018 Cubbage Head Shot - edited 2 (1)

Tony Cubbage

Business Development


Paul Findley

Production Partner


Rico Wilson

Loan Originator


As an Equal Housing Lender, We Do Business in Accordance With Federal Fair Lending Laws

Equal Housing Lender. Impact Mortgage Group dba City First Mortgage Services, NMLS #3117.

I am a licensed mortgage originator, NMLS# 265697, and am licensed to originate mortgage loans in the following state(s): Texas. To learn more, visit my City First Mortgage Services website at apply.austensmith.com

Next Steps...

We look forward to working with you on your upcoming loan. Please schedule an appointment to arrange a Mortgage Consultation.