Financing Homes. Financing Dreams.

With fifteen years in mortgage lending and a total of thirty-five years in the real estate industry, Elizabeth Smith's strong lender relationships and broad industry experience enable her to provide her clients with comprehensive and intelligent mortgage options that make even unconventional properties easy to finance.

A licensed real estate agent since 1980, and with significant personal experience in development, sales and mortgage lending, Elizabeth Smith is uniquely qualified to help clients find the financing they seek. She focuses her positive and personal approach squarely on meeting her clients needs—and begins by listening and creating plans of action that are tailored to bring the results her clients are looking to achieve.

Elizabeth specializes in hard-to-do properties, combining up to date, thorough knowledge of industry trends and products into an ability to provide proven 'outside the box' solutions. She is proud of her ability to provide attractive and competitive stated income and stated asset financing for busy, self-employed professionals. Through her 'extraordinary' resourcefulness she is able to make a difficult transaction seem smooth and a smooth transaction seem effortless.

Says Elizabeth of her work, "I love what I do. My clients trust me to understand their needs and find the best loan program to achieve their goals. Because I consistently exceed their expectations, they refer their family and friends to me. Many become clients for life. I am pleased to say my business is based 100% on referrals.”

A native Californian, Elizabeth Smith moved to Carmel Valley thirty years ago, where she raised her two sons. She proclaims, “I feel blessed to live here and delight in helping to make others dreams of living on the Monterey Peninsula come true.”

Some Useful Links:

Mortgage Related Information:

30 Year Fixed Rate History

1031 Exchanges:

1031 Exchanges

Financial Information:

Mortgage Market Report

Credit Information:

Credit Scores

Free Credit Report

Federal Trade Commission on Credit Reports

Information for Homebuyers:

7 Things Buyers Should NOT do

Top 10 Reasons To Use a Real Estate Professional

Local Information:

City of Carmel

State of California

Pebble Beach Golf Course

City of Carmel School District

STAR Test Results

School Data

California Department of Education

Directions to my office