Mikayla Elliott, Senior Loan Officer, NMLS# 1161163

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United States
Maple Valley, WA
Mikayla Elliott, Senior Loan Officer, NMLS# 1161163

Loan Officer with
Wife 💍 Mama 🎀 & Lover of the Outdoors 🏔
Licensed in WA, OR & AZ

Buying a home is the biggest purchase a person will make in their life and I want to make sure my clients' experience through the entire transaction is one they will always remember. Not only is it a life changing event, but it can also be very stressful and scary. My goal is to make the process exciting and rewarding, the way I think it should be. I pride myself on not only completing your transaction quickly and professionally, but leaving you with the confidence and assurance to proudly refer my group and I to your friends and family. Outside of work you can find me spending a lot of time with friends and family, staying active and volunteering with a few different organizations.

11/03/2026

You could rule out the wrong house, or fall in love with the wrong payment by shopping on price alone. 👀

Two homes. Same asking price. Different impact on your monthly budget.

Property taxes, insurance, HOA dues, and your financing all matter. And if a seller is willing to offer credits, that could create options to reduce your upfront costs or buy down your rate, depending on your loan and pricing.

That’s why I want my buyers looking at the numbers BEFORE they’re standing in the kitchen picturing Christmas morning.

Because “I’m approved for this” and “I’m comfortable paying this every month” are two different conversations.

Wherever you are in your home shopping, you deserve a property-specific payment estimate and a clear picture of your cash to close.

Save this before your next showing. 🏡

When you’re scrolling listings, what do you look at first: the price, the monthly payment, or the photos? Be honest 😂

LendingByMe

11/02/2026

Would you choose your current home again, or would you choose the payment?

I loved my ‘cute’ mortgage. Walking away from that wasn’t an easy decision.

But I also wanted room for our kids to play. A table where everyone could fit. A home where we could say, “We’ll host this year.”

And it’s hard when the home you want for your family comes with a payment you’re not used to.

You can be grateful for the house you have and still wonder whether it fits your life anymore.

That doesn’t mean you should stretch your budget until there’s no room left to enjoy it.

It means you’re allowed to ask what moving would actually look like before deciding it’s impossible.

Maybe the numbers say stay. Maybe they give you something to work toward. Either way, you deserve to understand your options.

What’s the ONE thing you wish your current home had? Mine was space to bring everyone together. 🤍

Follow Mikayla Elliott | Mortgage Loan Officer for honest conversations about buying a home, and the life you want to afford after you get the keys.

10/29/2026

I’m curious… are you waiting for a lower rate, or a payment that feels comfortable?

Those might sound like the same thing, but knowing your actual numbers could change the conversation.

Before you make your mind up that buying is off the table, would you be open to finding out what’s possible for you?

Maybe buying makes sense. Maybe waiting does. Either way, you deserve to make that decision with more than a headline.

DM me “OPTIONS” and let’s look at your payment, upfront costs, and what fits your life. No commitment to buy, just a clearer picture. 🤍

Follow Mikayla Elliott | Mortgage Loan Officer for mortgage education that helps you ask better questions and make confident decisions.

10/28/2026

Doing things the way they’ve always been done, or just doing what everyone else is doing, can a lot of the time be a disservice to you and your future.

if you learn anything from me, I hope it’s that you learn to cancel out the noise and make decision based on your gut and what is specific to you & your life.

I’ll always be a cheerleader for people who are willing to charge through a storm instead of waiting it out like everybody else ❤️

10/27/2026

That buyer putting 3% down? Don’t count them out. 👏

They may have spent years saving while paying rent, raising a family, and doing everything they could to get here.

Another buyer may have a larger down payment with help from family. Neither story makes someone a better buyer.

A larger down payment can strengthen an offer, but it’s only one piece.

Sellers: look at what the lender has verified, the financing and appraisal contingencies, and whether the buyer can meet your timeline.

And buyers: if you worked hard to save that 3% or 5%, don’t minimize it. That’s real progress toward a big goal. 🤍

Send this to someone saving for their first home.

Follow Mikayla Elliott | Mortgage Loan Officer for clear mortgage guidance and a local perspective on buying in Seattle and King County.

10/22/2026

There’s a lot you can do in today’s market. But it’s knowing what you should be asking for, that is crucial!

06/03/2026

Not every agent is the right fit for me.

And I’m okay with that.

The agents I love working with aren’t focused on getting buyers to spend the most they can qualify for.

They’re focused on helping buyers make smart financial decisions.

They understand that just because a buyer can qualify for a payment doesn’t mean they should be comfortable living with it.

Those are the agents who ask deeper questions.

✔️ What monthly payment feels right for this client?

✔️ What strategies can we use to improve affordability?

✔️ How do we help them achieve homeownership without sacrificing their financial goals?

Those conversations change everything.

When agents and lenders work together to create a strategy (not just a transaction) buyers feel more confident, more informed, and more excited about their decision.

That’s the kind of partnership I believe in.

Because homeownership isn’t about buying the most house.

It’s about creating a life you can enjoy after you get the keys.

If you’re an agent who leads with education, strategy, and long-term client success, I’d love to connect 🤍

06/02/2026

If your goal is to buy a home, regardless of timeline, let’s talk strategy.

06/01/2026

Most buyers don’t realize there are 5+ ways to structure the exact same mortgage.

The interest rate is only part of the story.

If you’re planning to buy in the next 12 months, follow along—I share the strategies most people never hear about until it’s too late.

Comment “BUYER” if you’re planning to purchase this year. 👇

Address

11255 Kirkland Way, Suite 110
Maple Valley, WA
98033

Website

http://www.MikaylaElliott.com/, http://www.lendingbyme.com/

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