I don't serve veterans because it's a market segment. I serve veterans because I live it.

My husband, Todd, is a 100% disabled Army veteran. I've sat on the other side of the desk — navigating the paperwork, the benefits, the questions nobody explains clearly. I know what it costs a family when a lender treats a VA loan like an afterthought.

That experience is why I earned the Certified Veteran Mortgage Loan Advisor designation, and why VA lending is the heart of my practice. Entitlement restoration. Funding fee exemptions. Residual income. Manufactured homes. Condo project approval. These aren't edge cases to me — they're Tuesday.

Most mortgage professionals are comfortable with a W-2 borrower, 20% down, and a stick-built home. I've spent more than two decades getting good at everything else.

• Self-employed and complex-income borrowers — two years of returns that don't tell the whole story

• Manufactured home financing — including chattel loans, where most lenders simply say no

• DSCR and investor loans — qualifying on the property, not the paystub

• Condo project financing — VA, FHA, and conventional approval requirements, sorted out before you're under contract

• VA loans of every kind — purchase, IRRRL, cash-out, and the scenarios that require someone who's read the actual handbook

If you've been told no somewhere else, that's often the beginning of my conversation, not the end of it.

A real conversation before a rate quote. Your financial picture is not a form field. I take a consultative approach to find the right loan program for your goals — not the fastest one to close.

Straight answers, in plain English. Through my newsletter, social content, and educational classes, I teach people how mortgages actually work. No jargon designed to make you feel like you need me.

Realtor partnerships built on follow-through. I work closely with real estate professionals across the Willamette Valley who know that when I say a file will close, it closes.

A team behind you. The Smith Mortgage Team includes a dedicated preapproval specialist and a processor who owns your file from contract to close. You are never a number in a queue.

I'm not a call center. I'm in Keizer, and I've built a life in this valley.

I served on the Keizer City Council from 2019 to 2022, including as Council President. I've owned property in the Detroit Lake area since 2008, and I serve as Vice President of the Detroit Lake Foundation, a 501(c)(3) working on community recovery in the Santiam Canyon. I host first-time homebuyer classes because I think financial literacy belongs to everyone, not just the people who can afford advisors.

When I say I understand this market, I mean I've sat in the meetings where it gets decided.

Home Purchase Loans

VA · FHA · Conventional · USDA · Jumbo

Specialty & Complex Financing

Manufactured home loans (including chattel) · DSCR and investor financing · Self-employed and bank statement programs · Condo project approvals · Non-QM

Refinancing

VA IRRRL (streamline) · Rate-and-term · Cash-out · Term reduction

First-Time Buyer Support

Down payment assistance programs · Homebuyer education classes · Preapproval guidance

Investment Property Financing

Portfolio growth strategies · Rental property qualification

Whether you're using your VA benefit for the first time, buying a manufactured home, or trying to figure out whether your income even qualifies — start with a conversation. There's no cost, and no obligation.