Crystal Smith - Loan Officer

08/29/2026

08/28/2026

🏡 Repeat clients mean so much to me! ❤️

There’s something extra special about helping a client purchase their home and then having them come back and trust me again when it’s time to refinance.

I’m incredibly grateful for the continued trust and the opportunity to be part of another chapter in their homeownership journey. 🏡🔑

Congratulations on your refinance, and thank you for allowing me to be your lender—again! 💙

08/27/2026

If part of your income comes from overtime or bonuses, it may still count toward a mortgage.

The key isn't just how much you earn. Lenders also look for consistency and documentation during the approval process.

Read the full breakdown at pmrloans.com.
https://myoc.io/SmithTeam

08/25/2026

A payment that stays the same makes planning ahead a little easier.

One of the quieter benefits of a fixed-rate mortgage is knowing exactly what to expect each month.

No surprises, no adjustments. Just a consistent payment that makes it easier to plan for what's ahead.
https://myoc.io/SmithTeam

08/20/2026

That feeling when you relax in a space that's all yours.

No roommates, no landlord, no rules about what goes where. Just your space, exactly the way you want it.
https://myoc.io/SmithTeam

08/19/2026

What Is the 28% Rule?

The 28% rule can help you set a home budget.

It says your total monthly housing payment should be no more than 28% of your monthly income before taxes.

This payment may include:

• Your mortgage
• Property taxes
• Home insurance
• HOA fees

This rule is only a starting point. Every buyer and budget is different.

Not sure how much home you may be able to afford? Send me a DM. I can help you understand your options and find a payment that feels comfortable.

08/18/2026

Paying $2,500 in rent each month adds up to $90,000 in just three years. 💸

That money pays for a place to live, but it does not build equity for you.

Buying a home is not right for everyone. But it may be worth comparing a mortgage payment to your current rent.

I help borrowers:

🏡 Understand what they can afford
🔎 Find the right home
🤝 Make a strong offer
💰 Negotiate the best possible deal
📄 Understand each step of the process

You do not have to figure it all out alone.

DM me “BUY” for a free buyer consultation.

08/18/2026

It's a common assumption that you have to sell before you can buy. In reality, the order of those steps depends on a number of factors, including your financial situation, local market conditions, and timing goals.

There are options worth exploring before assuming one path is the only one available.
https://myoc.io/SmithTeam

08/15/2026

🌊🏡 Dreaming of a new home, vacation home or second home at the beach?

Check out 190 Ocean Shores Blvd SW! ☀️🌊 The perfect place to escape, relax, and make some memories.

Curious what financing could look like? I’d love to run the numbers for you! 💰🏡

Light, space, and flexibility come together in this well-maintained Ocean Shores home. Vaulted ceilings and generous windows bring natural light into the main living area, creating an open, comfortable place to gather and unwind. The layout offers multiple living zones across different levels. Downs...

08/14/2026

🏡 Looking for a home in Puyallup?

Check out this great rambler with 3 bedrooms + a den, RV parking, a fenced backyard and NO HOA! 🙌

💰 Offered at $534,950

Message me for financing options or to see what the payment could look like! 🔑🏡

Thoughtfully designed with 3 bedrooms plus a versatile den that could easily serve as a FOURTH BEDROOM! Welcome home to this beautifully maintained Rambler in the heart of Puyallup, offering nearly 2,000 square feet of comfortable single-level living. The spacious open-concept kitchen and great room...