Smith Mortgage Team - Powered by Success Mortgage Partners Inc. NMLS 130562

09/07/2026

09/06/2026

BIG mortgage news and this one has me excited!

One of the things I value most about partnering with Success Mortgage Partners is getting to work with the same underwriting team. I know who I’m working with, we know how to communicate, and that consistency helps me provide the level of service I expect for my clients and Realtor partners.

Until now, some of our more creative Non-QM loan products had to be brokered out. While that gave us additional options, it also meant handing the loan outside of our normal process, and I couldn’t always guarantee the same experience.

That’s changing.

We’ll now be able to offer more of these solutions IN-HOUSE, including options for self-employed borrowers, bank statement loans, DSCR/investment properties, and other borrowers who may not fit inside the traditional lending box.

For me, this isn’t just about adding more loan products. It’s about having more ways to say YES while keeping the service, communication, and accountability in the hands of the team I trust.

Realtors: before you assume a buyer can’t qualify, send them my way. Sometimes we just need a different way to structure the loan.

More options. More solutions. Same team.
And THAT is something I’m excited about.

Elizabeth Smith | NMLS 228191
Smith Mortgage Team | Success Mortgage Partners, Inc. | NMLS 130562

09/03/2026

Thinking about buying a home in Yamhill County? 🏡 You're not alone!

Navigating the mortgage process can be tricky, but I've got some straightforward tips to help you secure that loan.

1. Check Your Credit: Ensure your credit score is in good shape. A higher score often leads to better rates!

2. Know Your Budget: Determine how much you can afford to borrow and consider additional costs like property taxes and insurance.

3. Get Pre-Approved: A pre-approval letter shows sellers you're serious and helps you stand out in a competitive market.

4. Explore Local Options: Yamhill County has fantastic loan programs tailored to our community. Don't hesitate to ask!

Starting your homeownership journey can feel overwhelming, but I'm here to guide you every step of the way. Have questions? Drop a comment or send me a message!

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender • Licensed in OR. This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend. All loans are subject to borrower qualifications, including credit approval, income verification, and property evaluation. Rates, terms, and APR are subject to change without notice.

08/31/2026

Are you a first-time homebuyer in Linn County? 🏡 If so, navigating the mortgage landscape can feel overwhelming, but I’m here to help!

Many new buyers aren’t aware of all the great options available, like FHA loans with low down payments or conventional loans that may work depending on your credit score. Plus, there are USDA loans for those buying in rural areas, offering no down payment!

Understanding your options is key to making the right choice for your financial future. What questions do you have about the mortgage process? 🤔

Drop a comment or send me a message — I’m here to help you find the best mortgage solution for your needs!

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender • Licensed in OR. This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend. All loans are subject to borrower qualifications, including credit approval, income verification, and property evaluation. Rates, terms, and APR are subject to change without notice.

08/28/2026

Thinking about buying your first home in Coos County? 🏡 You're not alone! Many first-time homebuyers feel overwhelmed, but I've got some tips to make the process smoother!

1. Know Your Budget: Before you start house hunting, determine how much you can afford. Consider all costs, like insurance and taxes.

2. Get Pre-Approved: This shows sellers you’re serious and can give you a competitive edge in this market.

3. Research Grants: Coos County may have programs to assist first-time buyers, which could help with down payments or closing costs.

4. Don’t Skip the Inspection: It’s crucial to identify any potential issues before committing to a purchase.

Buying your first home is a big step, but it can also be incredibly rewarding! Have questions or need more tips? Drop a comment or message me!

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender



This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend.

08/27/2026

Looking to buy your first home in Clackamas? 🏡 You’re not alone! Many first-time homebuyers have questions about the best mortgage options available.

One great choice is the Oregon Bond Program, which offers down payment assistance for eligible buyers. This can help open the door to homeownership by covering a portion of your upfront costs.

Another flexible option is an FHA loan. With just 3.5% down, you may qualify even with a lower credit score, making it a popular choice for those entering the housing market.

Thinking about jumping in? Comment below with your biggest homebuying questions, or feel free to message me! Let’s navigate this journey together.

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender • Licensed in OR. This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend. All loans are subject to borrower qualifications, including credit approval, income verification, and property evaluation. Rates, terms, and APR are subject to change without notice.

08/26/2026

Are you wondering how to secure the best mortgage rates in Polk County? 🏡

It might seem overwhelming, but here’s the deal: improving your credit score can make a significant difference. Many potential buyers overlook this crucial step. A higher credit score can lead to lower rates, which means more savings in the long run!

Here’s a simple tip: pay down any existing debt and avoid missed payments to boost your score.

Feeling unsure about where to start? Drop a comment or send me a message, and let's chat about your options!

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender



This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend.

08/25/2026

Thinking about buying your first home in Marion, OR? 🏡 You're not alone, and it’s an exciting journey! Here are some essential tips to navigate the process:

1. Know Your Budget — Understand what you can afford, including monthly payments, taxes, and insurance.

2. Get Pre-Approved — This shows sellers you mean business and gives you a clear idea of your price range.

3. Explore Local Programs — Check out any first-time homebuyer assistance programs that may be available right here in Marion!

4. Work with a Local Expert — A knowledgeable mortgage advisor can guide you through your options and make the process smoother.

What do you wish you had known before starting your homebuying journey? Share your thoughts below!

If you’re ready to chat about your options, don’t hesitate to reach out! 😊

Elizabeth Smith NMLS # 228191 • The Smith Mortgage Team NMLS # 130562 • Equal Housing Lender • Licensed in OR. This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice, nor is it a commitment to lend. All loans are subject to borrower qualifications, including credit approval, income verification, and property evaluation. Rates, terms, and APR are subject to change without notice.