Rhonda L Wayne-Smith

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Rhonda L Wayne-Smith I am a licensed Loan Officer( NMLS-2129442) who works with over 130 lenders to find your best loan .
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If you are looking for a commercial property or SBA Loan or would like to refinance or purchase a residential property , call 978-621-7693 or email me. I am married and have lived in Boca Raton, Florida since 2018. I lived most of my life in the Northeast and graduated from University of Massachusetts in Amherst , MA with a Bachelor of Science. I also spent some time living in North Carolina and was a licensed Realtor helping clients sell and buy homes. I now offer my services to clients who are looking to find the best loans so they are able to move into the home of their choice or start their business. I am Licensed as a Loan Officer in Florida but the company I represent is licensed in 8 states, WA, OR , CA, AZ, CO, NM, TX , and FL. The company will be licensed in other states this year, so please let me know of another state that you may want to purchase your home other than Florida . I chose this profession because of my commitment to my customer and to the ethical standards I adhere to. I am able to explain complex financial concepts , loans terms and requirements in a way that you will understand them. In my free time, I volunteer for Good Karma Pet Rescue and participate in Chamber events as a member of the Boca Raton Chamber of Commerce.

How Some Areas Are Overcoming Mortgage Challenges in AmericaLately, we’re seeing a shift in the mortgage landscape: nati...
10/17/2026

How Some Areas Are Overcoming Mortgage Challenges in America
Lately, we’re seeing a shift in the mortgage landscape: national delinquency rates climbed to 3.53% in August 2026, and serious delinquencies jumped 19%. Even foreclosure inventory is up 41% compared to last year. Certain states—especially those with more FHA loans—are feeling the pinch, thanks to rising insurance and tax costs adding to the pressure.

As someone who’s worked with homeowners and investors across Massachusetts, North Carolina, and now Florida, I pay close attention to these trends. Each state has its own story, but the underlying theme is clear: staying ahead of financial stress means understanding your options and picking the right strategy from the start. With access to over 150 lender partners, I’ve seen firsthand how the right financing plan can make a difference, especially when markets tighten.

For those navigating these challenging times, proactive planning—whether for a primary home or investment property—can be your strongest asset. My approach is always tailored, drawing on deep industry knowledge and a commitment to helping clients achieve their goals, no matter what the market throws our way.


http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/2118763-How-Some-Areas-Are-Overcoming-Mortgage-Challenges-in-America

Innovative Solutions Boost Homebuyer Support in Florida MarketLiving and working in Florida since 2018, I’ve seen firsth...
10/16/2026

Innovative Solutions Boost Homebuyer Support in Florida Market
Living and working in Florida since 2018, I’ve seen firsthand how rising home prices, higher mortgage rates, and tighter lending criteria have created real challenges for buyers across our state. More and more, I’m helping clients navigate these conditions by considering solutions like buydowns and lender credits. These options can ease the upfront burden for buyers, offering some breathing room at the start of homeownership—even though they aren’t a long-term fix for affordability or qualifying standards. My approach is always to explore every strategy available, drawing on a network of more than 150 lender partners, to find the right fit for your unique goals—whether that’s securing your first home or expanding your real estate investments. Personalized guidance and creative financing remain key to overcoming today’s affordability hurdles in Florida’s market.


http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/2125670-Innovative-Solutions-Boost-Homebuyer-Support-in-Florida-Mark

10/15/2026

FHA Loans Can Help Buyers Buy Sooner
If you’re eager to step into homeownership but think you might need more savings or perfect credit, FHA loans could open the door sooner than you expect. With as little as 3.5% down for those with credit scores of 580 or higher—and even options starting at 500—these loans offer flexible guidelines, allow for gift funds, and sometimes come with lower rates than conventional mortgages. Of course, eligibility is still important: lenders look for stable income over two years, a debt-to-income ratio around 43%, and that you’ll live in the home. Keep in mind there are costs beyond the down payment, like closing costs (typically 2–6%), a 1.75% upfront insurance premium, and yearly insurance afterward. FHA loans come with their own considerations—such as rules for primary residences, property standards, and lower loan limits—but for many buyers, they can be a powerful way to start building equity sooner, even in the face of competition from cash offers. I’ve helped clients weigh these options to find the right fit for their goals and unique financial profiles, leveraging my network of over 150 lender partners. If you’re navigating limited savings or have less-than-perfect credit, it’s worth comparing FHA and conventional loans side by side, looking at fees, and thinking ahead about refinancing. Every journey to homeownership looks different, and the right strategy can make all the difference.

10/14/2026

Homebuyers Can Shape Their Mortgage Rate
One of the most empowering things about getting a mortgage is that you’re not locked into a one-size-fits-all rate. A recent analysis of 1.35 million US purchase loans (Early-Q1 2023 through Late-Q4 2025) reveals just how much control borrowers have—even within the same month, the middle 80% of applicants found themselves in a 93-basis-point range. That’s a swing worth about $28.4K in home price, assuming a $2K monthly budget.

From my experience helping clients across Massachusetts, North Carolina, and Florida, I’ve seen firsthand how credit score is a game-changer. Hitting key thresholds—especially moving from the high 600s to 700 or 720—can open doors to better pricing. And while many focus on reaching 20% down, the real rate improvement there is minor (just 0.7 basis points); the bigger win comes from avoiding mortgage insurance costs.

What truly stands out, though, is the value of comparison shopping. Among retail lenders, a top-tier lender can beat an average one by 19 basis points, which translates to roughly $5.8K in savings. With access to a network of over 150 lender partners, I’m passionate about helping you navigate these options strategically—because the right fit isn’t just about rate, but about matching your financial goals and maximizing your buying power.

10/13/2026

Smart Home Buying Tips With Current Mortgage Rates
Navigating the current real estate landscape, I’m seeing mortgage rates holding steady above 7%, with the 30-year fixed at 7.12%—a direct result of ongoing inflation and recent Fed rate hikes. While these numbers can seem daunting, there’s a silver lining: fall home prices are coming in about 5% lower than what we saw over the summer. This seasonal shift is opening up new opportunities for buyers, as increased inventory and a slower market give you more room to negotiate. My approach has always been about finding the right financing solutions, whether for your first home, a new investment, or a commercial project. In times like these, a well-structured loan and smart negotiation can make all the difference in securing value—even when rates are high.

10/12/2026

Rate Locks Protect Home-Loan Budgets
One of the biggest questions I hear from clients—whether they’re buying a first home, investing in property, or financing a commercial space—is how to protect their monthly budget from unexpected jumps before closing. Here’s where a mortgage rate lock truly matters. Until your rate is officially locked in, it isn’t guaranteed, and that can mean surprises you didn’t plan for. A rate lock is a formal agreement with your lender: it secures your offered rate for a set period, giving you breathing room to plan your payments confidently. Most locks cover 30, 45, 60, or 90 days, and while longer terms may come with additional fees, the peace of mind can be worth it—just be sure to clarify costs and expiration details up front.

If current rates align with your loan goals and risk tolerance, it’s worth discussing a lock with your lender. Some even offer float-down options if rates drop after you lock. Whatever direction you choose, always get the agreement in writing with the rate, term, loan type, and any fees spelled out. With access to a broad network of over 150 lender partners, my approach is always about matching you with the right solution for your needs—so you can move forward with confidence, whether it’s your dream home or your next investment.

10/11/2026

Honoring the Significance of Indigenous Day

Getting a Jumbo Loan in Florida up to $5 Million: What Luxury Buyers Should KnowHaving worked across three states—includ...
10/11/2026

Getting a Jumbo Loan in Florida up to $5 Million: What Luxury Buyers Should Know
Having worked across three states—including Florida since 2018—I’ve seen firsthand how unique the luxury real estate landscape can be here. For buyers considering properties that require jumbo loans up to $5 million, it’s important to prepare for higher down payments and more rigorous credit and reserve requirements. Florida’s dynamic market, paired with factors like insurance costs and appraisal standards, means financing can be more complex than a standard mortgage. My approach is to draw on an extensive network of lender partners and personalized strategies to help clients navigate these specialized loan programs. Whether you’re looking for your next home or an investment property, understanding these nuances is key to making confident, informed decisions in the luxury market.


http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/2075479-Getting-a-Jumbo-Loan-in-Florida-up-to-%245-Million%3A-What-Luxur

How mortgage preapproval works and why it matters before buying a homeBefore you start home shopping, understanding mort...
10/10/2026

How mortgage preapproval works and why it matters before buying a home
Before you start home shopping, understanding mortgage preapproval is a key step that can make all the difference. Preapproval means a lender has reviewed your credit, income, debt, and assets, confirming how much you may qualify to borrow. It’s not a final loan commitment, but it does give your offer real strength—especially in today’s competitive real estate market. Preapproval typically lasts 30-60 days, requires supporting documents and a hard credit check, and helps streamline the buying process.

Having worked across Massachusetts, North Carolina, and now Florida, I’ve seen firsthand how a strong preapproval positions you for success—whether you’re a first-time buyer, building an investment portfolio, or exploring commercial opportunities. With my access to over 150 lender partners, I’m able to help clients find strategic financing that aligns with their specific goals, making the journey from preapproval to closing as smooth as possible.

A little preparation up front goes a long way toward turning your real estate plans into reality.


http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/2069312-How-mortgage-preapproval-works-and-why-it-matters-before-buy

How to Buy a Foreclosed HomeThinking about buying a foreclosed home? With foreclosure filings up 21%, there are more opp...
10/09/2026

How to Buy a Foreclosed Home
Thinking about buying a foreclosed home? With foreclosure filings up 21%, there are more opportunities on the market—whether you’re considering a short sale, an auction, or a bank-owned property. These homes are typically sold "as is," which means inspections may be limited and, at auctions, buyer premiums can apply. To stand out against cash buyers, being preapproved is essential. Drawing on my experience helping clients secure financing across both residential and commercial real estate, I know how important it is to find the right loan solution for your goals. Navigating foreclosures can be complex, but with access to a wide network of lenders and a focus on tailored financing, I’m committed to helping you move forward with confidence—no matter which path you choose.


http://www.findequityloanswithrhonda.com/agent-news/rhonda-wayne-smith/2077850-How-to-Buy-a-Foreclosed-Home

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Port Saint Lucie, FL
34953

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