Crystal Smith - Loan Officer

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Crystal Smith - Loan Officer Crystal Smith | Sales Manager/Sr. Loan Originator NMLS #1228198 Premier Mortgage Resources, LLC, NMLS 1169, Equal Housing Lender

There's something about watching the seasons change that makes you appreciate the little things.A garden, a backyard, or...
10/16/2026

There's something about watching the seasons change that makes you appreciate the little things.

A garden, a backyard, or even a front porch with a few potted plants can become a favorite place to spend a quiet afternoon.
https://myoc.io/SmithTeam

The holiday season can bring tempting purchases, but if buying a home is on the horizon, it's worth being mindful of how...
10/13/2026

The holiday season can bring tempting purchases, but if buying a home is on the horizon, it's worth being mindful of how spending affects your overall financial picture.

Keeping debt low and avoiding large purchases during this time can help keep your debt-to-income ratio in a stronger position when it comes time to apply.
https://myoc.io/SmithTeam

Shorter days and cooler temperatures have a way of pulling life back inside.Morning coffee before the sun comes up, even...
10/09/2026

Shorter days and cooler temperatures have a way of pulling life back inside.

Morning coffee before the sun comes up, evenings that wind down earlier, weekends spent closer to home. This time of year has a way of reminding you just how much the right space can shape your daily life.
https://myoc.io/SmithTeam

My mascot per Chat GPT :)
10/01/2026

My mascot per Chat GPT :)

10/01/2026

That home that’s been sitting on the market for a while?

There MAY be an opportunity to negotiate.
And asking for a lower price isn’t your only option.
You may be able to ask the seller to help with some of your closing costs instead.

Here’s what that COULD look like:

Home price: $425,000
Offer: $425,000
Seller concession: 2% = $8,500

Instead of negotiating a lower purchase price, that $8,500 could potentially help cover eligible closing costs.

That could mean keeping more of your own money in the bank after closing.
But these numbers are just an example.
What a seller can contribute and what those funds can be used for will depend on your loan, down payment, and specific situation.
This is just an example, but it's why we look at YOUR numbers and figure out which strategy makes the most sense for you.

Sometimes getting the best deal isn’t just about getting the low price.

Comment READY if you want to talk through your options.

When it comes to mortgages, the loan type you choose shapes more than your interest rate.It can affect your down payment...
10/01/2026

When it comes to mortgages, the loan type you choose shapes more than your interest rate.

It can affect your down payment requirements, monthly payment structure, mortgage insurance, and even which homes you're able to purchase. Understanding your options early in the process can make a real difference in how everything fits together.
https://myoc.io/SmithTeam

09/30/2026

No more wondering what your rent will be when the lease is up.
One reason people love the idea of owning a home?nnMore control over where you live.

No lease renewal.
No landlord deciding to sell.
No surprise rent increase telling you it’s time to reconsider your budget.

Of course, owning a home comes with its own costs and responsibilities too.

But if you’re tired of renting and wondering if buying could make sense for YOU, it might be time to run the numbers.

Send me a message and let’s see what your options look like!

If you've been preapproved for a mortgage, there's something important to keep in mind. That letter has an expiration da...
09/28/2026

If you've been preapproved for a mortgage, there's something important to keep in mind. That letter has an expiration date.
Understanding how long preapproval lasts, what can affect it, and what to do if your home search takes longer than expected can help keep the process on track.

Read the full breakdown: pmrloans.com/blog

It’s easy to keep waiting for the timing to line up, for circumstances to change, or for some future moment when everyth...
09/24/2026

It’s easy to keep waiting for the timing to line up, for circumstances to change, or for some future moment when everything finally makes sense.

But at some point, you have to stop waiting and start making decisions based on the life you want to live. Your home can be part of that, too.
https://myoc.io/SmithTeam

The first day of fall is here.There’s something about that first cool morning when you can finally feel the season chang...
09/22/2026

The first day of fall is here.

There’s something about that first cool morning when you can finally feel the season changing. The air is different, the light is different, and somehow home feels a little more like the place you want to be.

If homeownership is on your list of goals this autumn, this might be the season to start putting those plans in motion.

Address

5020 Main Street Ste A
Tacoma, WA
98407

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm
Sunday 9am - 7pm

Telephone

+12068538778

Website

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