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813-995-1164 Branch Address: 5666 Seminole Blvd Suite 144 Seminole, FL 33772 ksmith@c2financial.com Fax #: 1-800-616-6187 |
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C2 NMLS #135622 |
C2 FL #MBR3519 |
C2 MI #FL0023565/SR0023566 |
C2 OH #RM.804919.000 |
C2 TN #135622 |
NMLS #1497711
| FL #LO35961
| MI #1497711
| OH #MLO-OH.1497711
| TN #1497711
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For more than 20 years I have been a math teacher and a homeowner. In my role as a mortgage loan originator, I blend my passion and experience in both of these realms to assist clients as they take an important financial step. I can confidently work with a variety of individuals utilizing my teaching experience to educate applicants on the options available to them, the process, and the homework they will need to complete in order to process, underwrite, and close their loans. My strong mathematical knowledge enables me to "crunch the numbers" and analyze data to produce the best results for my clients. In addition, I have personally navigated the mortgage loan industry as a homeowner in a wide variety of transactions, including conventional and FHA mortgages, refinances, second mortgages, reverse mortgages, construction loans and vacation homes. I hold certifications as a Certified Divorce Lending Professional (CDLP) and Certified Military Specialist and additional training as a Reverse Mortgage Specialist to assist my borrowers with specific lending needs. I am a determined individual who is able to problem-solve and seek out viable solutions when challenges arise, but I do not underestimate the value and importance of working well as a team to accomplish a common goal. I work diligently to assist my clients in achieving their homeownership goals.
It's quite simple. As one of the largest brokers in the nation, C2 Financial gets preferred pricing and service from its wholesale lenders. This translates into better rates and quicker closings for you.
But being a large company and closing a lot of loans on its own doesn't make the company great. What makes the company great is its commitment to the borrower to always do the right thing. We make a commitment and stick by it.
Additionally, we are very proud about the following industry achievements:
Our titles vary. We are mortgage consultants, loan originators, loan officers, and mortgage brokers. What does not vary is that every day, borrowers like you entrust us with one of the most important financial decisions of your life, that if not executed properly can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown.
We know that despite our best efforts and the government's best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document . Our borrowers trust us as their mortgage adviser and that what they are signing is in their best interest. We do not take that responsibility lightly.
We do what is in the best interest for you, our client, not what is best for our pocketbook as some other brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long term relationship.
Christopher R - Kim was always available. She helped me every step of the way. Everyone was very professional and kind.
Valerie L - Kim walked me through the steps all of the way. As a first time home buyer dealing with the financial aspects can be scary but she made it an easy process!
Carla C - Communication and availability to answer questions
Shon H - With us throughout the whole process.
Krystal W - Kim was so helpful and communicated back quickly. She was thorough and we appreciated all the work she put in.
Victoria T - Great communication and very knowledgeable
Chad T - Always available to answer questions, knows the answers to all the questions, and also provided other helpful information I was unaware of.
Connor D - Kim was very helpful throughout the entire process. She always let me know what I needed right away which made this process a lot easier. I appreciate her responsiveness. She was always there to answer any questions I had.
Vladimir M - Kim was always quickly to answer calls/messages as well as provided detailed responses to any questions I had as well as explaining how things work as much as she could to someone outside of mortgage industry knowledge.
Adam S - She never stopped working for us and went above and beyond to create ways for us to purchase our new home!
Zhanna L - Kim is professional and responsive, very knowledgeable and went above and beyond to help me in any way she could!
Judy R - Kim hands on help and going the extra mile to help us with our needs.
Jasmin P - Smooth process. Easy communication. All my questions were quickly answered. Compassion and professionalism. Great experience for a 1st home buyer.
Cindy M - She worked hard to make things possible
JUANITA S - 
The entire process was just smooth! Every step in the process was explained step by step and it was just a swift transition from one stage to the next.
Shadera M - I had the pleasure of having Kim smith handle my mortgage loan on my first house and she was there every step of the way along with Sheri. I just want to say thank you and I appreciate all the jumps and leaps you all went through. She answered my calls / emails and my question.
Devin R - Very helpful with the whole process. No one is perfect but, Kim and Sheri did everything they could to make the process easy. They were very informative and helped outside of normal hours.
Charmalee H - This is our second home purchase and Kim and her team made our buying a home like a smoothe and painless unlike our first which felt like 10 tooth extractions. I would highly recommend Fairway and more specifically Kim’s team. Really wanted a much cheaper home but with this crazy market we came real close and a competitive interest interest rate. Loved it.
Daniel S. - Kim and team were very helpful throughout a very stressful process. They immediately responded whenever we had questions and acted as a voice of reassurance in moments of anxiety. As first-time homebuyers, we couldn't have asked for more.
Adam S. - The responsiveness, communication, simplicity and her patience for having to re do the quote process with us
Angela W. - Kim was knowledgeable, she knew in the Citrus County area you would get more house and land for your money. We can not be happier in our country life living but close to big cities like Inverness and Crystal River. She was so helpful with our loan, location, closing, and getting all utilities hooked up. She went over and beyond to help us. We are extremely happy 
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