About Us

We will treat every client – Professionally, Respectfully, Honestly, & Fairly.

Who We Are

Flagstone Financial was founded in 2001. Darren Smith, with his CPA and MBA in finance, was brought on as a partner in 2005 to run the commercial lending division.

We offer all mortgage types, though, due to our extensive financial backgrounds we specialize in jumbo & super-jumbo mortgages. Our concierge lending approach means that every client no matter the size of the loan will receive the best personal service and attention to detail throughout the mortgage process.

Flagstone Financial has been recognized not only by our industry peers and regulatory authorities but more importantly, our clients for consistently being the best at what we do.

Meet The Team


Washington Mutual's Broker Award for "Outstanding Performance"

"Most Valuable Broker For Exceptional Customer Service" Award from Citi Mortgage

"Best of Houston Mortgage Company" HoustonBest.com

Capital One's Wholesale Mortgage Division Award for "Outstanding Broker"

"Best Execution - Processing" Award from Citi Mortgage

Three Time Winner US Bank "Best Wholesale Broker for Texas Region"

2011 New York Community Bank Silver Producer

2012 New York Community Bank Silver Producer

2013 "Texas Monthly" Five Star Mortgage Award Winner

Flagstar Bank Goldstar Performer Award

2014 "Texas Monthly" Five Star Mortgage Award Winner

Why Work With Flagstone?

We provide a "Concierge Lending" approach with our clients. That means you will receive the best personal service and attention to detail throughout the loan process. You'll have the direct line, cell phone and e-mail address for Darren and his assistant assigned to your loan. There are no call centers at Flagstone. We believe in the "human touch" along with personal responsibility and accountability for your mortgage needs.

When you work with us you are not just a transaction, but a client with whom we seek a long-term relationship to be your lender for life. Our company's Mission Statement is as follows:

We will treat every client - Professionally, Respectfully, Honestly, & Fairly.

The most important thing when seeking a mortgage is not just a great rate and low closing-costs, but working with someone you can trust. Over ninety-five percent of our business is repeat and referral. The only way to achieve that it to work in a manner that makes you referable - to be referable your clients have to not only know and like you, but trust you.

We encourage you to read some of the actual testimonials on our website. These are real letters from real clients that obtained loans of all types, conforming, jumbo, super jumbo and home-equity loans telling their story of working with us. We've posted them so that you can see the type of experience and service that you can expect when obtaining buying or refinancing with Flagstone Financial.

Whether you're looking for a jumbo or super-jumbo loan to buy a home, refinancing your conforming loan for a better rate/term, or need a home-equity loan, our goal is to make it the best mortgage experience you've ever had.

Call us today for a complimentary consultation and pre-approval.

Flagstone Financial Corporate Offices
4900 Woodway, Suite 1060
Houston, Texas 77056
NMLS 337283

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713.458.3200 Main Line
713.458.3299 Fax Line

Management Team

Darren Smith
NMLS 265820

Jaqui Butler
NMLS 305417

Senior Loan Officers

Pat Rutledge
NMLS 1033124

Brian Jordan
NMLS 1409688

Contact Us