Esther Smith

Esther SmithAssociate Broker / Office Manager

Phone: (260) 213-3100
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A Little About Esther Smith


34 years working at USDA, Rural Development as a Loan Specialist (retired 10/11)) – loan making and servicing in the Single Housing Division and Multi-Family housing Division– job training in excel, budgeting, government grants/applications, completed Accounting 101

Personal finance counselor – personal budgeting – Dave Ramsey trained/certified (2007) and Coordinates “Financial Peace University”

Held the position as secretary/bookkeeper for 20 years at the American Legion Unit 98 – payroll and account payables. (1980-2000)

Held the position as bookkeeper at the law office of Terry L. Smith for 5 years (1991-1996)

Held the position of Treasurer – Neighborhood Association, American Legion Auxiliary, Unit 98, Interfaith Mission (The Lighthouse – homeless shelter), Whitley County Real Estate, LLC and On The Market Real Estate, LLC (since 2010)

Tax preparer with H&R Block since 2000

Real Estate Sales Agent, CFO and Office Manager at LT Real Estate, LLC (since 2010)

A Notary Public


Proficient in:

  • Interpreting and implementing government regulations, IHCDA, HUD, RD
  • Financial Records and processing for Payables and receivables
  • Report generation and analysis including budgets and file maintenance
  • Customer needs, satisfaction, and service
  • Training and development
  • Operations management
  • Computer operations
  • Collections and credit management
  • Personal financial counseling
  • Real Estate Sales
  • Property Management


Columbia City Joint High School – 1975

Received some college credits in Business Administration, Psychology, Accounting, and Microsoft Word/Excel

On the job training with USDA annually for 34 years including but not limited to Loan making, Loan servicing, Fair Housing, Ethics and Diversity, Construction, Lead      Based Paint Abatement and other Environmental assessments, Bankruptcies, Foreclosures

Dave Ramsey’s Counselor Training – 2010

Troyer School of Real Estate – 2011

Annual Continuing Education required by H&R Block related to personal tax preparation and updates.

Annual Continuing Education required by the State of Indiana Licensing for Real Estate- #RB14044575


 Past State President and Alternate Zone Rep for National Association of Credit Specialist (NACS)

Past President, Interfaith Mission, Inc., dba The Lighthouse (transitional housing) member on the board

since 2001.

Past President and Treasurer since 2000 – American Legion Auxiliary, Unit 98 (Chairman of Hoosier Girls

State, Leadership, Finance, Legislation and Education)

Vice-President, Blue River Estate, Inc., (HUD, RD Senior Housing)

Treasurer, Signature Giving, Inc. (Scholarships)

Alum, Leadership Whitley County