Stephanie Smith

Home Loan Advisor | NMLS: 1966112

Licensed in: CA, NV


111 West Proctor St, Suite 205
Carson City, NV 89703


With over 13 years of experience in the real estate and mortgage industry, I am committed to helping homebuyers and homeowners find the right loan to fit their needs. My goal is to ensure every client feels informed, empowered, and confident throughout the financing process.

I began my career as a mortgage broker and spent six years as a Broker/Salesperson, giving me a well-rounded understanding of real estate transactions from all angles. This unique perspective allows me to collaborate seamlessly with real estate professionals and provide my clients with tailored loan solutions that align with their financial and homeownership goals.

As a wife and mother to Army Veterans, I take great pride in serving those who have served our country. I am passionate about educating veterans and military families on their home loan benefits.

Whether you're a first-time homebuyer, experienced investor, or a real estate agent seeking a trusted lending partner, I'm here to guide you every step of the way.

Let's work together to make homeownership a reality!

Stephanie Smith - Local Mortgage Expert in Nevada & California

As a local mortgage expert, I take great pride in helping my clients navigate the often complex world of home financing. With a deep understanding of the various loan options available, I am dedicated to finding the perfect solution tailored to each individuals unique financial situation and needs. From first-time homebuyers to seasoned investors, my goal is to ensure that everyone I work with feels confident and informed throughout the entire mortgage process.

My journey in the mortgage industry has provided me with a wealth of knowledge about various loan types. Whether it's an FHA loan, a VA loan, a conventional loan, or even a reverse mortgage, I have the expertise to guide clients through the benefits and requirements of each option. Understanding that each borrowers situation is different, I take the time to listen and assess their circumstances, providing personalized advice that aligns with their goals.

Refinancing can be a smart choice for many homeowners, and I am here to help facilitate that transition smoothly. I offer a variety of refinance programs, including FHA Streamline, VA Streamline, and Conventional refinancing options. My aim is to help clients leverage their existing mortgage to achieve better rates or to access cash for renovations, debt consolidation, or other financial needs. Each refinancing journey is approached with careful consideration and a commitment to maximizing the benefits for my clients.

In addition to traditional mortgage options, I am proud to offer a suite of additional products and programs that cater to a diverse range of financial situations. From 1099 loans for self-employed individuals to down payment assistance for those looking to purchase their first home, I have the tools to help many different types of borrowers. I believe that every client deserves access to the resources they need to achieve their homeownership dreams, and my role is to make that as seamless as possible.

I understand the unique challenges that self-employed borrowers face, and thats why I offer specialized solutions like bank statement loans and P&L loans. These options are designed to provide flexibility and understanding for those whose income might not fit traditional lending guidelines. Its incredibly rewarding to help clients who may have thought homeownership was out of reach realize that their dream is attainable.

Throughout my career, I have built lasting relationships with my clients based on trust and transparency. I strive to be a local mortgage expert who is not only knowledgeable but also approachable and supportive. Whether you're looking for a second mortgage, a HELOC, or financing for a multi-unit property, I am here to make the mortgage process a positive experience. My commitment to your success is unwavering, and I look forward to helping you achieve your home financing goals.

Stephanie Smith picture
Stephanie Smith picture

Stephanie Smith

Home Loan Advisor

NCM Lending | NMLS: 1966112

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