Lacy Oliphant - CrossCountry Mortgage

Lacy Oliphant - CrossCountry Mortgage Lacy Oliphant | Senior Loan Officer NMLS1608021 |
Branch NMLS2822580 | Company NMLS3029 | Equal Housing Opportunity Summit Funding, Inc.

is more than just a mortgage company. We are a group of individuals with a common goal to BE OUR BEST and encourage all others around us to do the same. Armed with our YES YOU CAN mindset, we empower our partners, clients, and employees to achieve new heights both in our industry and beyond.

Waiting for rates to drop?There’s more to consider than just the interest rate. Home prices, competition, inventory, sel...
02/28/2026

Waiting for rates to drop?

There’s more to consider than just the interest rate. Home prices, competition, inventory, seller concessions, and your long-term goals all matter.

The right time isn’t about guessing the market. It’s about understanding your numbers and what makes sense for you.

If you’d like to explore your options, I’m here as a resource.

Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 1924510 | Summit Funding, Inc. NMLS ID # 3199 | www.nmlsconsumeraccess.org
| Equal Housing Opportunity

What happens after you apply for a home loan?This is where experience makes a difference.Your income, assets, and credit...
02/25/2026

What happens after you apply for a home loan?

This is where experience makes a difference.

Your income, assets, and credit are carefully reviewed to ensure everything is accurate and properly aligned before moving forward.

If additional documents are requested, it’s simply part of keeping your file strong and preventing delays later.

Home buying should feel exciting, not overwhelming. Clear communication and steady guidance make that possible.

Have questions? Reach out anytime.
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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Pre-approval helps you shop with clarity and confidence.Knowing your budget early can help you move quickly, feel more p...
02/12/2026

Pre-approval helps you shop with clarity and confidence.

Knowing your budget early can help you move quickly, feel more prepared, and avoid unnecessary stress along the way.

Happy to walk through it whenever you’re ready.

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Most buyers think they’re waiting on the right things before they buy.The “perfect” time.The lowest interest rate.20% do...
01/31/2026

Most buyers think they’re waiting on the right things before they buy.

The “perfect” time.
The lowest interest rate.
20% down.
An 800 credit score.
Two years at the same job.

But here’s what I see every single week…

There is no perfect time.
The lowest rate doesn’t mean anything if the payment doesn’t fit your lifestyle.
And most of the other “requirements” buyers worry about? They’re usually misunderstandings.

What actually matters is having a plan that works for your family, your budget, and your season of life.

If you’ve been sitting on the sidelines waiting for things to feel “just right,” this is your sign to have a conversation instead.

You might be a lot closer than you think.

Message me the word PLAN and let’s talk through your situation.


Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785 | Summit Funding, Inc. NMLS ID # 2577785 | Summit Funding, Inc. NMLS ID # 3199 | www.nmlsconsumeraccess.org
| Equal Housing Opportunity.

There’s a lot of misinformation surrounding down payments, and not all of it is accurate.From “you need 20% down” to “gi...
12/31/2025

There’s a lot of misinformation surrounding down payments, and not all of it is accurate.

From “you need 20% down” to “gift funds aren’t allowed,” these myths stop a lot of buyers before they ever get started.

The truth?

Options vary, and what works best depends on your situation, not a one-size-fits-all rule.

Swipe through to separate fact from fiction. →

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

The best homebuyers don’t rush; they prepare. Starting your pre-approval early gives you clarity on your budget, confide...
12/31/2025

The best homebuyers don’t rush; they prepare.

Starting your pre-approval early gives you clarity on your budget, confidence when you’re touring homes, and the ability to move quickly when the right one comes along.

It’s not about pressure. It’s about being ready.

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Ever wondered how much home you could comfortably afford in 2026? 🏡 Your income, down payment, credit, and even next yea...
12/12/2025

Ever wondered how much home you could comfortably afford in 2026? 🏡

Your income, down payment, credit, and even next year’s rate stability all play a big role.

Planning a little earlier can give you a clearer picture — and a lot more confidence as the market shifts.

📩 Want a simple breakdown of your 2026 buying power?

Send me a message — I’m happy to walk through it with you.

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

6 years with Summit Funding, Inc. And every year has been a reminder of why I love what I do.Helping families feel confi...
12/10/2025

6 years with Summit Funding, Inc.

And every year has been a reminder of why I love what I do.

Helping families feel confident, supported, and excited about homeownership is such an honor.

THANK YOU for allowing me to be part of your story.

If you’re planning ahead for the new year, I’d love to help you take the next step. 💙🏡

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Growing a little miracle and a lot of gratitude 🤍This season of waiting has already changed my heart in the most beautif...
12/06/2025

Growing a little miracle and a lot of gratitude 🤍
This season of waiting has already changed my heart in the most beautiful ways.

Captured so perfectly by Leslie Brice Photography
Thank you all for the love and support.

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

11/27/2025

Grateful for clients, community, and this new season of life.
Thank you for trusting me on your homebuying journey.

HAPPY THANKSGIVING!

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Lacy Oliphant
NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

11/24/2025

Still waiting for the perfect time to buy a home?

While you wait, prices and rent may continue to rise.
But here’s the truth: You don’t need perfect timing, you need a plan.

💬 Let’s explore your options together.
No pressure. Just clarity.

📩 Message me anytime for a market check-in.

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Lacy Oliphant NMLS ID # 1608021 | Branch NMLS ID # 2577785
Summit Funding, Inc. NMLS ID # 3199
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Address

229 NW Blue Parkway, Suite C
Lees Summit, MO
64063

Telephone

+18168300807

Website

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