What are the opening hours?

Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm Sunday 9am - 6pm

Margaret Smethers, Loan Officer

Home
United States
Antioch, CA
Margaret Smethers, Loan Officer

Unleashing the Transformative Power of Knowledge in the
Homebuying Experience Margaret Smethers is a wife and mom of two daughters.

She loves going camping and traveling to new places. Margaret also has a love for history, which she enjoys exploring on her travels. She has been in the mortgage business for over 11 years and has helped countless people buy homes during that time. Margaret is passionate about educating home buyers so they can make the best decisions for their themselves and their families. She knows that the hom

e buying process can be stressful, but she wants to make it as smooth and easy as possible for her clients. When you're ready to buy a home, Margaret will help guide you through the process without all the stress! Margaret Smethers
NMLS # 907016 | DRE #02106385

E3 Home Loans
2157 Country Hills Rd, Suite 206
Antioch, CA 94509
NMLS # 1770437 | DRE # 02073759

Equal Housing Opportunity

06/11/2026

Mortgage Market Update

If you’ve been waiting for rates to drop, the market has had other plans lately.

Recent jobs reports, stubborn inflation, and ongoing global uncertainty have put pressure on mortgage bonds, causing rates to remain elevated and even tick higher over the past week.

Here’s what I’m watching:
✔️ Inflation remains higher than expected
✔️ Strong employment data is keeping consumer spending resilient
✔️ Bond markets continue to react to economic and geopolitical news
✔️ Mortgage rates may remain volatile in the coming weeks

The good news? There are still opportunities for buyers and homeowners who have a strategy in place. Every situation is different, and sometimes waiting isn’t the best financial move.

If you’re wondering whether now is the right time to buy, refinance, or simply want to understand your options, I’m always happy to help.

📞 925-759-5805
📧 [email protected]

Margaret Smethers
Mortgage Broker | NMLS #907016

05/16/2026

Today is graduation day. 🎓

Three years ago, I took a temporary sub position. I still remember Angela Walker looking at me point blank and asking, “What, you don’t want to stay?”

In about 15 seconds, my entire future changed. The very next day, I enrolled in my credential and master’s program.

Graduating at 40 was definitely never on my bingo card, but here we are.

These last few years have been exhausting, emotional, overwhelming, and so incredibly worth it. My family has lived through late nights on the computer, missed events, papers being written while I was also trying to finish IEPs, full-time teaching, full-time school, still working mortgages, being a wife, and being a mom. There were so many moments I questioned how I was going to keep doing it all.

But somehow… I did.

To my family, thank you for sacrificing alongside me and loving me through every stressful moment, every deadline, every breakdown, and every victory.

I’m so proud of myself for not quitting when things got hard.

And honestly… “Dr. Smethers” has a pretty nice ring to it. 😉 Here’s to the next chapter. ❤️

04/27/2026

What a weekend in Reno for Jayliana’s last cheer competition of the season ❤️📣

This season wasn’t easy for these girls. They faced a lot of hardships, challenges, and moments that could’ve broken their spirit but they kept showing up, kept working, and never gave up. Their resilience and determination truly paid off.

What an incredible way to end the season:
🏆 Her Youth Level 2 team became Division Champions — beating out all of the Level 3 and Level 4 teams competing.
🏆 Her Junior Level 1 team not only became Division Champions but took home Overall Grand Champion of the entire competition.

And to top it all off… both teams secured bids to Florida for next April! ✨

Jayliana, we are beyond proud of your hard work, perseverance, and heart. Watching you continue to grow through every challenge has been such a blessing. Keep shining, baby girl. This is only the beginning 💙

04/21/2026

19 years ago today, my dad went home to be with our Heavenly Father. For a long time, I was bitter and angry at him for leaving us… for missing so many important milestones in our lives.

But over time, I’ve realized he didn’t miss them at all. He’s been in all of it.

He’s in the little things… every corny joke that makes me smile. Every time I see a man tucking his shirt into his shorts with knee socks, I think of him and laugh. Every time I think I can’t quite remember his voice, a memory finds me, and I can hear his laugh again.

Grief has changed over the years. What once felt like loss now often feels like presence.

I miss you, Dad. I carry you with me every day. 🤍

04/12/2026

Happy 12th Birthday to my beautiful Jayliana 💕
Watching you grow into the amazing, strong, and kind girl you are has been one of the greatest blessings of my life. You light up every room, and I’m so proud of the young lady you’re becoming.
I love you more than words can ever say 💖

02/20/2026

EAST BAY BUYERS — this could change your 2026 timeline.

California’s Dream For All program may offer up to 20% of the purchase price (max $150,000) toward your down payment.

But here’s what most people don’t understand:

✔ It’s not a grant
✔ It’s structured as a shared appreciation loan
✔ Minimum credit score is typically 660+ (based on income limits)
✔ Funds are limited and last time it opened — it went FAST

This program can be powerful leverage when used correctly — but only if you understand how repayment works when you sell or refinance.

If you’re even thinking about buying in 2026, the time to get clear on your numbers is NOW.

📲 Text DREAM 2026 to 925-759-5805
I’ll review your qualifications, income limits, purchase power, and what repayment could look like for you.

Preparation wins in this market.

—
Margaret Smethers
Mortgage Broker | E3 Realty & Loans
NMLS #907016

12/26/2025

We hosted both Christmas Eve and Christmas this year, and even though it was small, it was absolutely perfect.❤️

I kept our traditions going in the kitchen: clam chowder on Christmas Eve for the 10th year in a row and prime rib on Christmas Day. We spent the weekend exactly how we wanted… playing games, laughing, eating way too much, and enjoying time together.

This was also our second Christmas with Jyntry’s boyfriend, Kyle. He fits right in and we love having him with us.

One of my favorite traditions we started last year is Christmas poppers. They’re filled with little toys and paper crowns, and somehow those simple crowns bring out the biggest smiles. We played games all day and Left Right Center to cap off the night. Jason won twice and Aunt Rose snagged a win too.

Feeling full in every way.

Merry Christmas from our family to yours. ❤️🎄

10/31/2025

TK/ K and K-2nd SAI teams! We have the absolute best teams. Our theme was camping and we sure felt like we needed to be by a fire pit relaxing by this afternoon. Happy Halloween!

09/10/2025

Oh my goodness… this world is broken in so many ways.

Charlie Kirk was tragically shot and killed today while speaking at Utah Valley University. It’s horrifying that violent extremism is escalating to this point.

I am praying for his wife, Erika, and their young children. There are not enough words.

Just because you disagree with someone doesn’t mean their life is less valuable. PERIOD.

We cannot let political violence become a norm.

05/03/2025

7 years ago we were at the White House…. Today we at music in the park 😆. I guess it’s kind of the same lol

Address

2157 Country Hills Road, Ste 206
Antioch, CA
94509

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Sunday	9am - 6pm

Website

https://linktr.ee/margaretsmethers

Alerts

Be the first to know and let us send you an email when Margaret Smethers, Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Margaret Smethers, Loan Officer:

Shortcuts

Want your business to be the top-listed Finance Company in Antioch?