Kelli Smith Mortgage Advisor #907736

10/25/2026

✨ **Google, Growth & Great Connections!** ✨

A HUGE thank you to all the amazing real estate agents who joined us for our Google event! ❤️

I love bringing agents together to learn, connect, and discover new ways to grow their businesses! 🏡📈

My goal is to be more than just your mortgage lender. I want to be a **resource, a business partner, and someone who helps you succeed!**

🚨 **REALTORS — STAY TUNED!** 🚨

We've got more exciting events coming your way, including:
🔥 Business-building workshops
🔥 Lunch & Learns
🔥 Marketing and lead generation strategies
🔥 Networking opportunities
🔥 Tools and education to help you stand out and grow!

📲 **Make sure you're following my page so you don't miss our upcoming events!**

Let's keep learning, connecting, and growing our businesses together! ❤️

10/12/2026

🏡 Thinking about buying a home? Let’s get you prepared!

A buyer’s market can mean **more choices, more negotiating power, and opportunities to ask sellers to help with closing costs!** You may also be able to negotiate a price reduction or use seller credits toward an interest rate buydown. 🙌

Join Devin LO Brown and I ONLINE Home Buyers Class from the comfort of your couch! We’ll cover:

🔑 The homebuying process, step by step
💰 Down payment assistance options
📊 What goes into your monthly mortgage payment
🤝 How to make the most of a buyer’s market

You don’t have to be ready to buy today—getting informed is your first step! 💻✨

📅 11/27 & 11/28 5:30pm to 8:00pm
Sign up: https://www.eventbrite.com/e/2000904070939?aff=oddtdtcreator

Let’s turn “someday” into a plan! 🏡❤️

*Loan programs and seller concessions are subject to eligibility and program guidelines.*

Are you excited about buying your first home but feeling a bit overwhelmed by the down payment? You're not alone, and we’re here to help!

10/12/2026

🏡 Buyers have some negotiating power—and a price reduction isn’t the only way to use it!

We’re seeing more homes reduce their prices and sellers willing to negotiate. In a buyer’s market, seller concessions could help make your monthly payment more comfortable. 💰

A seller concession is money the seller contributes toward eligible buyer costs. Depending on your loan and qualifications, we could use it to:

✨ “Buy out” monthly PMI
On eligible conventional loans, pay mortgage insurance upfront rather than having a separate monthly PMI payment.

✨ Permanently buy down your interest rate:
Use seller credits toward discount points to secure a lower interest rate for the life of that loan.

✨ Fund a temporary 2-1 buydown:
Lower your payments for the first two years! Payments are calculated using a rate 2 percent below your note rate in year one and 1 percent below in year two. In year three, you pay the full note-rate payment. Your actual loan rate stays the same, and you must qualify at the full payment.

🔑 The best deal is about the price AND the terms. A price reduction, seller credits, or a combination of both could help—let’s compare the numbers and see what makes the most sense for YOU!

📲 Message me “LET’S PLAN” and let’s build your homebuying strategy.
☎️ 253-389-8834
Www.kellismithhomeloans.com

Options subject to loan approval, program eligibility, seller agreement, and concession limits. Savings vary.

10/10/2026

🏡 Buyers… let’s talk about your negotiating power!

In a buyer’s market, the opportunity goes beyond getting a lower purchase price. The whole deal matters. 💰

Depending on the home and loan program, we may be able to negotiate:

✨ Seller credits toward closing costs
✨ Funds for an interest-rate buydown
✨ Repairs or other concessions
✨ Terms that work better for your timeline

The lowest price doesn’t always mean the best deal for your budget. Sometimes, seller-paid costs can make a bigger difference in how much cash you need at closing.

That’s why your lender and Realtor should work together on a strategy built around YOU. 🙌

Let’s look at the numbers and see what’s possible!

📲 Message me “BUYER” to start your homebuying plan.
🌐 www.kellismithhomeloans.com
☎️ 253-389-8834

10/07/2026

Waiting for the “perfect” housing market? 👀🏡

Headlines don’t tell you what’s possible for YOUR budget, YOUR goals, and YOUR next move.

Depending on the home, seller, and loan program, you may have options like:

✨ Seller-paid closing costs
✨ Rate buydowns
✨ Negotiated repairs
✨ A lower purchase price
✨ Financing strategies tailored to you

You don’t have to decide to buy today—but you deserve to understand your options. Let’s look at the numbers and build a plan you feel comfortable with. 💁🏻‍♀️🔑

Swipe through, then DM me “LET’S PLAN” to get started!
☎️ 253-389-8834

🌐 www.kellismithhomeloans.com

10/04/2026

Behind every shopping bag is a lender answering “Can you run one more payment scenario?” 🏡

I work hard for your house keys…🔑✔️

Who else is motivated by an “add to cart” moment? 🙋🏻‍♀️👇

10/01/2026

🏡 Rates have you putting your homebuying plans on hold? Let’s talk about your options!

We know higher interest rates can feel discouraging. But we’re also seeing opportunities for buyers to negotiate **seller credits** that may help cover closing costs or fund a **temporary 2-1 buydown**—which lowers your interest rate for the first two years. Availability depends on the home, seller negotiations, and loan program.

Join Nakita M Thierry and I for our online Homebuyers Class to learn how to make a plan that works for you! 💻✨

We’ll cover:

🔑 The homebuying process, from pre-approval to keys
💰 Down payment assistance options
🤝 Making the most of buyer negotiating power in today’s market
📉 How seller credits and a possible 2-1 buydown work—including planning for the full payment after the temporary reduction ends

Plus, earn your WSHFC homebuyer education certificate, valid for two years, to help meet the education requirement for eligible down payment assistance programs.

Whether you’re ready to buy or just exploring, come get informed and ask questions!

📲 Sign up on Eventbrite: https://www.eventbrite.com/e/2002177664291?aff=oddtdtcreator

📍 Online via Zoom