Kimberly Smith, NMLS #1060709

05/12/2026

🏥 Calling All Medical Professionals — Your Path to Homeownership Just Got Easier.

As a doctor, dentist, pharmacist, CRNA, resident, fellow, or other qualifying medical professional, your career path is unique — and your mortgage options should be too.

Our Doctor Loan Program was designed specifically to help medical professionals purchase a home with benefits like:

✔️ Up to 100% financing for qualified borrowers
✔️ No mortgage insurance required
✔️ Flexible student loan calculations
✔️ Loan amounts up to $2 Million
✔️ Options for residents, fellows, and early-career doctors using projected income

At Fluent Mortgage , we understand the financial journey that comes with building a medical career. Whether you’re relocating for residency, purchasing your first home, or upgrading as your career grows, my team and I are here to guide you every step of the way with personalized solutions tailored to your goals.

Your focus is caring for others — let us help take care of the financing. 🏡

📩 Message me today to learn more about our Doctor Loan Program and see if you qualify!

04/24/2026

This one was quite a great experience for me. To have helped a friend achieve new beginnings, and work with a fantastic realtor, made closing even more rewarding this time around. Wishing many years of love & happiness in her new home! Thank you to .your.florida.realtor for working with me to get our client across the finish line!

04/13/2026

Self-Employed? Your Income Still Counts.

Not every homebuyer fits into a traditional W-2 box — and that’s okay. If you’re a business owner, contractor, or gig worker, your true income may not always be fully reflected on your tax returns. That’s where our Bank Statement Streamline Program can help.
Instead of relying only on tax returns, we look at your actual cash flow using bank statements, 1099s, and other qualifying income sources to help you move forward with confidence.

✔️ Built for self-employed professionals
✔️ Less paperwork, more flexibility
✔️ Designed to help you get to the closing table faster

At Fluent Mortgage, we’re proud to offer innovative loan solutions designed to fit nearly every type of buyer. Whether you’re self-employed, investing in real estate, or buying your first home, we have flexible options to help make homeownership more accessible.

If you’ve been told “no” before, it may just mean you haven’t been matched with the right program yet.

Kim Smith
📧 [email protected]
📞 (321) 389-2090

04/01/2026

🚨 Realtors: Earn 2 CE Credits While Protecting Your Clients & Transactions 🚨

Cyber fraud is one of the fastest-growing threats in real estate today—and it’s impacting agents, buyers, and closings more than ever. The good news? You can stay ahead of it.

Join us for a 2 CE Credit course designed specifically for Realtors, where you’ll gain practical, real-world strategies to safeguard your transactions and better serve your clients.

💡 What You’ll Learn:
• How cyber fraud occurs in real estate transactions
• How sensitive client data is compromised
• Actionable steps to prevent fraud before it happens
• Key insights into the Florida Information Protection Act

📅 April 22, 2026
⏰ 11:30 AM – 2:30 PM
📍 Melbourne, FL (Lunch Provided)

🎓 Presented by Donna Harris, Escrow Officer/Owner of Solutions of Florida

This is more than just CE—it’s about protecting your business, your reputation, and your clients.

👉 Secure your seat here:
https://lnkd.in/e4JKTM43

Spots are limited—register early to reserve your place.

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04/01/2026

11/14/2025

INVESTORS WITH SECOND MORTGAGES! Refinancing is easy with a DSCR Refi! Call me today for more info! Kimberly Smith MLO Fluent Mortgage 321-389-2090 or apply at www.myfmloan.com/kimberly-smith

11/07/2025

Call today lets discuss your options!
(321) 389-2090 or apply at www.myfmloan.com/kimberly-smith

09/19/2025

Thank you to Donny Felix for such kind words and for being so easy to work with!

Ready to refinance your current high interest loan? Rates are down! Lets talk!
Kimberly Smith, Fluent Mortgage
(321)389-2090

06/16/2025

Real Producers Content Day at CDS Builders was a great time! Thanks to and WindowStill for the great shots!