Kelli Smith

Nov 8, 2026

Kelli is fantastic! She was very available for any questions and just generally a lovely person. She helped me greatly with my first home purchase, and was great at walking me through the process!

Nov 5, 2026

I’ve been working with Kelli for a long time now, and she’s an elite lender. She truly helps my clients reach their goals, and she makes the whole process smooth for them and for me. Thank you so much for how you do business, Kelli!

Oct 30, 2026

Kelli went above and beyond for me. She was always available to answer questions and provide support. Having her on my team made the whole process a little less daunting for me!

Oct 22, 2026

Kelli is the BEST Mortgage professional I have met! If you are a Real Estate agent or you just need an amazing Loan Officer, she is the one to call! Especially if you are in or around Tacoma WA.

Oct 8, 2026

It was very important for my husband and I to find a lender that was patient and work with our schedules. Kelli is extremely patient and exceeded our expectations as first time homebuyers. She explains things so well and will walk you through EVERYTHING. I’m extremely grateful to have had Kelli on our team. She will fight for you and your family!!! THANKS KELLI 💜

Kelli and her team helped me and my husband recently buy our first home. She was very fast to communicate and helped us out through a few curveball. She made the whole process very easy for us. I would highly recommend going with Kelli and her team when purchasing a home!

Sep 21, 2026

Kellie was such a pleasure to work with! She was on top of everything, kept us updated throughout the process, and made the whole transaction feel easy and smooth. We were especially impressed with how quickly she was able to get everything closed. Really appreciate all her hard work and would gladly work with her again. Highly recommend!

Sep 20, 2026

We cannot say enough wonderful things about Kelli! She went above and beyond in every possible way to help us find and purchase our dream home. From the very beginning, Kelli was incredibly knowledgeable, patient, professional, and truly dedicated to making sure we found the perfect home for us. One of the things we appreciated most was how accessible she was throughout the entire process. No matter what time it was or what question we had, Kelli was always there for us. She made us feel like we were her only clients and that our home search was just as important to her as it was to us. She was always one step ahead, paid attention to every detail, and went the extra mile whenever something needed to be done. We are incredibly grateful to Kelli for all of her hard work, dedication, and genuine care. She played such an important role in helping us get into our dream home, and we couldn’t have asked for a better broker. We would recommend Kelli to absolutely anyone looking to buy or sell a home. She is truly amazing at what she does!

Sep 18, 2026

Kelli is professional, humble and kind. Every step of the way Kelli and team provided excellent care. They made sure the process was user friendly and provided guidance when needed. I would definitely recommend Kelli. You will be happy with your decision to work with Kelli and team!

Kelli made the experience easy as possible. She was available day and night for random questions and problem solving. I am so thankful for crossing paths with her!

Kelli would like to take this opportunity to thank you for your guidance and support throughout the mortgage process. Your expertise and responsiveness made everything much smoother and less stressful. I truly appreciate the time and effort you put into helping me secure my loan.

Kelli did a fantastic job! She was very patient with all of our questions. She made everything make sense. Most importantly she advocated for us at every step of the way!

Jun 21, 2026

I am recommending Kelli to everyone I know that is looking for a trustworthy advisor. Without her, I truly don't know if I could have successfully, and with ease, bought my first home. She is exactly who you want on your team, and I am so grateful for her knowledge and availability. I am finally where I want to be because of her and her team!

B/C it was truly a great experience!

Easy to use

Kelli was amazing she handled everything on a personal level it was she was buying a house herself. She explained everything perfectly. Any questions were handled immediately. Best personal service ever.

Working with Kelli throughout my home-buying journey was nothing short of exceptional. As a first-time homebuyer, there were moments when the process felt overwhelming, but Kelli consistently brought clarity, patience, and confidence every step of the way. She took the time to explain everything in plain language, answered every question thoroughly, and made sure I understood not just what was happening, but why. What stood out most was how genuinely invested she was in my success. I never felt like “just another client.” Kelli walked with me through credit preparation, financing options, underwriting, closing, and even attended my final walkthrough, celebrating right alongside me. That level of care is rare! Because of Kelli’s professionalism, communication, honesty, and commitment, I am officially a homeowner, and I truly could not have asked for a better lender. If you’re looking for someone who is knowledgeable, responsive, trustworthy, and who truly advocates for her clients, I recommend Kelli and her team without hesitation. Thank you, Kelli (and team Kelli), for helping turn what once felt like a distant dream into reality!!! :)

What an amazing group to work with! Friendly, knowledgeable, responsive and thoughtful. So friendly and helpful every step of the way. Thank you so much!!

Kelli has been a God send for us. We appreciate everything she has done for us. When we came to your company we had already had bad experiences with other agents Kelli took us under her wing and took care of us from start to finish. Definitely would recommend Kelli and Guaranteed Rate to anyone thinking of buying a home. She is the Best 🙂

The process was so smooth and you all took the stress off of me. You also realized what I need to keep the process moving, ie text me tell me to check my e-mail. Meeting me where I am made this a super smooth process than you for all your help!

Working with Kelli throughout my home-buying journey was nothing short of exceptional. As a first-time homebuyer, there were moments when the process felt overwhelming, but Kelli consistently brought clarity, patience, and confidence every step of the way. She took the time to explain everything in plain language, answered every question thoroughly, and made sure I understood not just what was happening, but why. What stood out most was how genuinely invested she was in my success. I never felt like “just another client.” Kelli walked with me through credit preparation, financing options, underwriting, closing, and even attended my final walkthrough, celebrating right alongside me. That level of care is rare! Because of Kelli’s professionalism, communication, honesty, and commitment, I am officially a homeowner, and I truly could not have asked for a better lender. If you’re looking for someone who is knowledgeable, responsive, trustworthy, and who truly advocates for her clients, I recommend Kelli and her team without hesitation. Thank you, Kelli (and team Kelli), for helping turn what once felt like a distant dream into reality!!! :)

They will work with you as long you provide the right information. They will also work with you on your credit score to get the right deal.

My loan officer was great and very helpful.

Apr 9, 2026

As a real estate agent, the lender you choose to work with can make or break a deal. And I can honestly say Kelli is on another level. We have worked together on first-time homebuyer transactions, which, as anyone in this industry knows, requires a lot of patience, clear communication, and genuine care. Kelli brings all of that every single time. What sets her apart is that Kelli does not treat your deal like just another file on her desk. She treats it like it is her own. She stays on top of everything, keeps clients informed every step of the way, and has the knowledge to back it all up. My clients always walk away feeling confident and taken care of, and that says everything. If you are a first-time buyer trying to figure out this process, or an agent looking for a lender you can actually count on, Kelli is your person. She is the real deal!

I had an amazing experience working with Kelli during my purchase. From start to finish, she made the entire process feel easy, stress-free, and genuinely enjoyable. Kelli went above and beyond to make sure I understood every step and felt completely comfortable with my decision. She was knowledgeable, patient, and always available to answer my questions, even when I didn’t know what to ask ! I’m so grateful for her help. I was uncertain about whether I would find what I was looking for or even if it was attainable, but with the help of Kelli, it was quick and seemed easy! She was more than professional, she was a friend through this process. Thank you Kelli 🤍

she made everything go so smooth & helped calm my anxiety when it got out of control lol shes AWESOME!

Kelli is great! She help me get my first home. She walked me thru the whole process and answered any questions I had. I would definitely recommend her to anyone who wants to buy a house.

Kelli was great! She walked me through the whole process and answered any questions I had. I would definitely recommend her to anyone who wants to buy a house.

Kelli is absolutely fantastic! She is knowledgeable, motivated, fun to work with, and makes herself available day and night for fast communication! A must have for navigating the home loan process! I recommend her to anyone looking for a mortgage! Thank you, Kelli!

Feb 23, 2026

Kelli is absolutely fantastic! She is knowledgeable, motivated, fun to work with, and makes herself available day and night for fast communication! A must have for navigating the home loan process! I recommend her to anyone looking for a mortgage! Thank you, Kelli!

I had an amazing process with Keli. She made sure we got the best rates and stayed in touch. Her communication level was on point and my husband and I really love her a lot. She’s very sweet and so smart and will only give you best advice. I am so happy to have someone like her on my team and looking forward to the future of working with her again. Thank you again for making us first time homebuyers!!

Because you are the best. Fast and accurate ????????????

Excellent transparency and ethics.

Kelli is a professional through and through! We had special circumstances with refinancing our home which made it a bit challenging but Kelli worked with us through all of it with clear communication and excellent customer service.

Kelli Smith at Rate was absolutely fantastic in helping us secure our mortgage. From start to finish, she was always available, responsive, and incredibly patient in answering all of our questions—no matter how small. What we appreciated most was her transparency. The rate and costs were clearly explained upfront, with no surprise or junk fees along the way. That level of honesty made the entire process far less stressful and gave us real confidence in our decision. Even after closing, Kelli has continued to be a valuable resource, checking in and making herself available whenever we’ve had follow-up questions. That kind of ongoing support really sets her apart. We strongly recommend Kelli to anyone looking for a knowledgeable, trustworthy, and genuinely supportive mortgage professional.

We had a great experience working with Kelli for our mortgage. Kelly was always available to answer all our questions, sending us timely estimates every time we needed one. we had a lot of questions being first time homebuyers, and Kelli and her team were diligent , attentive, patient and transparent throughout the entire process. We will definitely be recommending her and the Rate team to our friend and family

I highly recommend Kelli Smith with Rate Mortgage! She has been such a huge contributor to the success of my business as a realtor and has helped so many of my clients over the years. Kelli is incredibly responsive, knowledgeable, and works hard to get buyers approved while helping them make smart financial decisions. She recently helped my husband and me with our loan on our new home, and we truly appreciate all of her hard work. 🏡❤

I highly recommend Kelli Smith with Rate Mortgage! She has been such a huge contributor to the success of my business as a realtor and has helped so many of my clients over the years. Kelli is incredibly responsive, knowledgeable, and works hard to get buyers approved while helping them make smart financial decisions. She recently helped my husband and me with our loan on our new home, and we truly appreciate all of her hard work.

I am grateful for you and your team that helped me get on top of things which helped me to have a very very happy new year. I did not expect to have this decent rapid huge accomplishment but because of your diligent work on my case ; once I was tired not happy to do things anymore you find interesting information to send me to get up again and work with you. I thank you very much may God bless you more to help more people experience your help. Thanks you Kelli and your team

Kelli and her team were very helpful! They always kept me in the loop on things that were going on. They were just a phone call away and always available. This made my home buying experience stress free and smooth.

Kelli was great to work with and made the process easy.

Working with Kelli was an absolute pleasure from start to finish. She was incredibly patient, taking the time to explain every step of the mortgage process in a way that was easy to understand. No matter how many questions I had, she always responded with clarity, professionalism, and genuine care. Kelli went above and beyond to make sure I felt confident and supported throughout the entire experience. Her attention to detail, proactive communication, and calm, reassuring demeanor made what could have been a stressful process feel smooth and manageable. If you’re looking for a mortgage advisor who is knowledgeable, supportive, and truly invested in your success, I highly recommend Kelli. She embodies everything you could ever want in a mortgage advisor.

AMAZING!!! Kelli and her team made this experience so calming and reassuring. I absolutely adore them ❤️❤️❤️ Thank you so much!!!!

To start, I just want to thank you for helping my husband and I buy our first home and teaching us so many things we had no clue about. We started the process at first as clueless as can be and ended up being very knowledgeable. The way Kelli explains all of your options and is upfront about how the process goes and explaining numbers to first time home buyers makes it so much easier for us to understand. We are so glad we chose your first time home buying class to start our journey! If you could have asked 73 days ago or so, we’d be ready to buy a house in less than 45 days I would have laughed! But here we are!! Thank you for always being available to answer all our questions even if it were quite obvious answers!! You made the process so easy and quick and gave us the confidence to start the process to buy our home. You’ll see us here again for our second home trust me!!! I would recommend Kelli over and over.

They find the best financial options

Kelli and her team were proactive and exceptionally helpful

Kelli worked with us for a couple years. Patient when we tried to apply for application in the past but ended up needing to change a couple things. To now when she helped us closed on our house! She very friendly and understanding. Plus quick to respond any time of the week. I would definitely recommend her to anyone who needs a lender!

From start to finish, Kelli was absolutely amazing. She was prompt, knowledgeable and always there to answer our many questions and concerns. Very highly recommend!!

It was a great opportunity to have been part of the team. It was very professional and they were ready to help with any questions. The online experience made everything to run faster and smothered.

Kelli was fantastic from the very start. She answered every question- some before we even asked! All the way from before pre approval until after closing she still has time for anything we need in our first home purchase. We feel very lucky to have found her and her team- we will continue to work with her in the future.