Kayla N Smith NMLS 2192210

06/02/2026

Start to reach out to companies and flip through your filing cabinet for appliance warranties, solar agreements, and other documents that should be passed to the new buyers.
https://myoc.io/

06/02/2026

Determine your monthly income, including salary, interest, or any other income sources. Do you have any funds in accounts that you will be able to draw on and how long would they last? Also, determine your monthly expenses, including utilities and medical bills. Do you have other outstanding debts such as a car loan or student loans?
https://myoc.io/

05/26/2026

As the spring market fires up, a full pre-approval from a lender shows sellers you're serious and financially ready. It also helps you understand your budget so you can move quickly when you find the right home.
https://myoc.io/

05/26/2026

We would highly recommend it, especially if you are buying a home for the first time or shopping for a home in an unfamiliar area. A good real estate agent will be familiar with the available housing in each area, have experience with negotiating for the best price, and be able to help you navigate through the documentation related to a home sale.

If you do not have a real estate agent in mind, we would be happy to recommend one! Contact us today to get started 📱
https://myoc.io/

05/25/2026

Today we pause to honor the brave men and women who gave everything for the freedoms we hold close, including the one to call a place home. We remember.
https://myoc.io/

05/23/2026

05/23/2026

Welcome to this beautifully crafted new construction home offering the perfect blend of modern design and everyday comfort. This thoughtfully designed residence features 3 spacious bedrooms and 2 full bathrooms, ideal for families, first time home buyers, or those looking to downsize without sacrifi...

05/20/2026

🏡 I’m putting together an ONLINE Zoom Home Buying Seminar and want to make sure I cover what people ACTUALLY want to know 👀

Which topic would help YOU the most right now?

✨ First-Time Home Buying
💰 Investment Purchases
📊 Self-Employed Borrowing

Comment below with:
1️⃣ 2️⃣ or 3️⃣
OR drop your biggest mortgage/home buying question 👇

No pressure. No confusing lender talk. Just real information to help you make smart moves. 🙌

05/19/2026

Don't let the perfect home slip through your fingers this spring, homes can go under contract in days—or even hours—in a hot market. Work with an experienced real estate agent who can alert you to new listings immediately, schedule showings quickly, and help you make competitive offers.
https://myoc.io/

05/19/2026

There is more to rates than just numbers. You can choose between a “fixed rate” and “adjustable rate” mortgage. Which one is best for your situation will depend on how long you intend to occupy your current home.

Fixed: The payment stays the same for the duration of the loan. If you intend to stay in the same place for the life of the loan, you may be better off with a fixed rate mortgage because you will be protected against rate increases.

Adjustable: For three, five or seven years, the rate remains fixed. Then it fluctuates based on market interest rates. You will not be protected from market fluctuations after that, but the rate for the initial fixed term is usually lower. So, if you think you will be moving on to a new home after a few years, an adjustable rate may be your best bet.
https://myoc.io/