Kayleigh Smotherman Home Loans NMLS 1735124

Come out to this Open House - today, 12:00 PM-2:00 PM - 72428 Military Road, Covington!

This Open House is listed by Skip Scoggin, Scoggin Properties, Inc. and Allan Beaucoudray, GEAUX Title, Lunch.

Thanks to our gift card sponsors:
Kayleigh Smotherman Home Loans NMLS 1735124, Gulf Coast Bank and Trust Company - $25 Gift Card
Kyle Beerbohm, Aubert Insurance Agency - $25 Gift Card
Bert Hasselbeck, Accurate Property Inspections - $25 PJ's Gift Card

Make sure when you are ready to close to call Katie with GEAUX Title at 985-6248655. We are always here for you. If you can't come to us, we will GEAUX to you. For more information visit www.geauxtitle.com 🏡

Need financing options?
At Gulf Coast Bank & Trust Company, you have local mortgage lenders like me to guide you through the home loan process. Don’t know where to start? That’s the easy part: call me!

I have a wide range of loan products, including:
📌 FHA / VA / USDA
📌 Conventional and Jumbo
📌 Single-close Construction/Renovation
📌 Down-payment Assistance
📌 Non QM Options (DSCR, Bank Statement)
📌 Non-warrantable Condos

✨THIS ONE…✨

Ms. Moten may have thanked me for my work on this loan, but honestly, I want to thank MS. MOTEN even more. I am a better lender now because of her. After being in mortgage for over 6 years, I have finally achieved a personal goal of mine for an INCREDIBLE down payment assistance loan to someone so deserving!

Ms. Moten was focused to own a home of her own. Here’s how ⬇️⬇️⬇️

1️⃣ We got her a federal grant from the HELP program—$20,000! This program funding typically lasts through June every year, but ran out of funding much quicker than expected this year—end of April. We moved swiftly to reserve her fund approval once she went under contract.

2️⃣ We got her a lower-than-market rate with Louisiana Housing Corporation’s MRB Assisted program.

3️⃣ She received another 4% in down payment/closing cost assistance from Louisiana Housing Corporation’s MRB Assisted program.

Ms. Moten, THANK YOU. It was a true honor to do this loan. This is what it’s all about!!! I am so happy for you and your family. It’s a miracle I made it out of this closing without crying tears of joy. 😅😭

Another shout out to Talia - This could not have been possible without Ms. Moten’s agent, Talia Anderson, who pushed us to keep going at times when we had any doubts. Talia, your drive is admirable and it’s going to make you stand out from the others. I hope to work with you again!

My loan processor, Lauren Thornton, also busted her w***o on this file and got it done! Thank you, Lauren!

Mad hatters luncheon with Women’s Council of Realtors St. Tammany + I won an award for one of the best hats! 💁‍♀️👒

(Shout out Emilie Dreuil LaCoste for coming in clutch with a hat for me! MVP!)

Thinking about homeownership? Call me to get started! I’ll get you on track to getting those 🔑.

📲985.519.3775

Are you frustrated with the limited selection of homes on the market? Consider building your home with my single-close construction loan! Here’s 5 pros to building a home:

1. DESIGN YOUR DREAM: Build the home you’ve always imagined, exactly how you want it. 🏡

2. QUALITY ASSURANCE: Ensure your home is built to your standards with top-notch materials. 🔧

3. ENERGY SAVINGS: Make it energy-efficient from the start, saving on bills later. 💡

4. CHOOSE YOUR SPOT: Pick the perfect location for your lifestyle, and even utilize the equity you may already have in the land towards your down payment requirement. 📍

5. PROPERTY INSURANCE SAVINGS: Newer homes may have better options for coverage compared to older homes. 💰

Call me to explore your options!

Had so much fun hanging out with tonight as a co-sponsor with 🫶

Happy Good Friday! Wishing you all a happy Easter weekend with your loved ones. ✝️🐣

Not sure where to start? Call me today!

Wishing you all lots of luck today! Happy St. Patrick’s Day! 🍀

💋HAPPY GIRL POWER DAY, BABES!💋

Even though I represent GIRL POWER everyday! May we continue to lead by example for our younger generation as we navigate through life with confidence and determination!

Is it time to spread your wings? Let’s hatch a plan together! 🐣

📲985.519.3775

🌷Spring home-buying season is HERE!🌷

Ready to plant seeds towards homeownership, but not sure where to start? Call me to get started today!
📲985.519.3775

Friendly PSA for the self-employed and 1099 workers out there:
MAKE SURE YOUR HOMEOWNERSHIP GOALS ARE ALIGNED WITH YOUR CPA BEFORE FILING YOUR TAXES!

Completed my second year as a full-time loan officer and fifth year in the mortgage industry! I didn’t hit my 2023 goal, but that’s alright. 2023 brought countless learning opportunities and new experiences. I’m grateful for the substantial business and immensely thankful for everyone’s support. I look forward to helping more friends and families throughout 2024!

THANK YOU! 🙏

On to 2️⃣0️⃣2️⃣4️⃣

Cheers to a brand new chapter filled with joy, success, and endless possibilities! Happy new year! 🥂

I am so grateful for the unwavering support in 2023! I think most of us can all agree that this year in the mortgage industry has been a ROLLERCOASTER, but your referrals and business sustained me! A huge thank you to all of my clients and referral partners for your trust in me getting you to the finish line. A home purchase is a huge transaction, and I know you have many choices on who to do business with. I look forward to expanding my network in 2024 and another year of growth! THANK YOU!

💗💗💗

Wishing you and your families lots of joy, laughter, and all the festive magic this holiday season! Merry Christmas and Happy Holidays!

It was a happy closing day, indeed! Congratulations to this home buyer on his new build! 🎊

Christmas Sweater day🎄

There's no place like HOME, especially when it's got the perfect kitchen for baking your holiday goodies! 🥧

Won’t be wearing this hat much longer, ya’ll! FINALLY said it: RATE CUTS next year! We can’t wait to see you, 2024! 🎉

If you’re a data nerd and want to see which reports may sway mortgage rates lower, keep these dates in mind! 🤓

✨12/5 (TODAY) - JOB OPENINGS - forecasted 9.4M - ACTUAL 8.7M ⬇️ (FED LOVES THIS!) ✅

✨12/6 - ADP EMPLOYMENT - forecasted 128,000 ⬆️ - (previous 113,000)

✨12/7 - INITIAL JOBLESS CLAIMS - forecasted 222,000 ⬆️ - (previous 218,000)

✨12/8 - (JOBS FRIDAY!)
UNEMPLOYMENT REPORT - forecasted 190,000 ⬆️ - (previous 150,000)

UNEMPLOYMENT RATE - forecasted 3.9% - (previous 3.9%)

‼️And next week:‼️

✨12/12 - CONSUMER PRICE INDEX (cost of living) AND CORE CPI (energy and food) (these reports measure aspects that impact inflation)

✨12/12-12/13 - FED MEETING - no rate hikes expected / no rate cuts expected YET

🚨All eyes on mortgage rates! 🚨

The last month has shown an obvious decline—if you’ve been on the sideline the last 12 months, consider jumping back in! 2024 will have a much more optimistic forecast than 2023.

*Rates pictured are reported from Mortgage News Daily

Your monthly mortgage payment is determined by several factors, and it can vary based on the specifics of your mortgage agreement. Here are the key factors that influence your monthly mortgage payment.

Are you considering whether to offer a rate buydown to help sell your home? A rate buydown may help boost your property's allure, assist in negotiations, and may speed up sale!

Fall in love with a new home and create lasting memories in your cozy new space! Contact me to get started!

📲985.519.3775

Whether you rent or own, you have to cover someone’s mortgage costs. You may as well be doing so to build your own wealth, rather than that of your landlord!

Call me to discuss your options.
📲985.519.3775

Let me help you achieve the dream of homeownership without the stress and worries.

What are you thankful for today?