Stephanie Smith - Mortgage Broker - Real Estate

05/25/2026

Today we pause. We remember. We honor. 🇺🇸

To the brave men and women who gave everything for this country — thank you doesn't feel like enough, but it's said with a full heart.

Wishing you all a meaningful Memorial Day surrounded by the people you love.

05/21/2026

05/21/2026

🏡 VA Buyers — here's a move most people don't know about.
You can negotiate seller credits into your offer and use them to pay off existing debt at closing — before your loan funds.

Here's why that matters:
✅ Paying off a car loan or credit card lowers your debt-to-income ratio
✅ A lower DTI can increase how much home you qualify for
✅ You still put $0 down — because it's a VA loan

VA guidelines allow sellers to contribute up to 4% in concessions beyond closing costs. That's a powerful tool when used strategically.

If you're a veteran or active-duty buyer thinking about purchasing a home in Northern Nevada, let's run the numbers together and see what's possible for you.

📲 DM me or call to get started.

04/30/2026

[Sent with Free Plan] With rates constantly shifting, timing can make a big difference.
Send me a DM to set up a discovery call and let's look at your goals and see how we can save you the most money.

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.16
30-Year FHA: 5.99
30-Year VA: 5.78
30-Year USDA: 5.92

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

04/23/2026

With rates constantly shifting, timing can make a big difference.
Send me a DM to set up a discovery call and let's look at your goals and see how we can save you the most money.

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.17
30-Year FHA: 5.99
30-Year VA: 5.78
30-Year USDA: 5.92

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

04/22/2026

You can't buy happiness — but you can buy a home in the mountains, watch the sun set over the Sierra, and build something that's truly yours. 🏔️🏡

That's close enough for us.

If homeownership is on your mind, we'd love to help make it happen.

📲 775.316.2210 | HighSierraLoanTeam.com

04/16/2026

Weekly Rate Snapshot:
30-Year Conventional: 6.18
30-Year FHA: 6
30-Year VA: 5.79
30-Year USDA: 5.93

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

04/09/2026

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.19
30-Year FHA: 6
30-Year VA: 5.8
30-Year USDA: 5.93

Send me a DM to set up a discovery call and let's look at your goals and see how we can save you the most money.

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

04/02/2026

With rates constantly shifting, timing can make a big difference.
Send me a DM to set up a discovery call and let's look at your goals and see how we can save you the most money.

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.12
30-Year FHA: 5.98
30-Year VA: 5.75
30-Year USDA: 5.92

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

03/26/2026

With rates constantly shifting, timing can make a big difference.
Send me a DM to set up a discovery call and let's look at your goals and see how we can save you the most money.

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.1
30-Year FHA: 5.97
30-Year VA: 5.74
30-Year USDA: 5.91

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes