“Working with Kelli throughout my home-buying journey was nothing short of exceptional.”
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!!! :)
NNyla M.
“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.”
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!
Response from Owner
Thank you so very much Daeshawn! Your a fantastic realtor partner as well. I appreciate you and genuinely enjoy working with you. Thank you!
“Kelli is extremely patient and exceeded our expectations as first time homebuyers. She explains things so well and will walk you through EVERYTHING.”
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 💜
Response from Owner
Thank you so much for your kind words and for trusting me to be part of your home-buying journey! 💜 It was truly a pleasure helping you both navigate the mortgage and home loan process as first-time homebuyers. I’m so glad I could provide the patience, guidance, and personalized service you deserved while making the financing process easier to understand.
Congratulations on your new home! 🏡 Helping families achieve their homeownership goals is what I love most about being a mortgage lender. Thank you again for allowing me to be part of such an exciting milestone!
“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.”
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!
Response from Owner
Thank you so much for your wonderful review! It was truly a pleasure working with you and helping make your real estate transaction as smooth and stress-free as possible. We’re so glad you appreciated the communication, attention to detail, and quick closing process. Providing exceptional service and keeping our clients informed every step of the way is always a top priority. We sincerely appreciate your trust and recommendation, and we’d be delighted to work with you again for your future real estate needs!
“She went above and beyond in every possible way to help us find and purchase our dream home.”
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!
Response from Owner
Thank you so much for your incredibly kind words! It was an absolute pleasure helping you purchase your dream home, and I’m truly grateful you trusted me with your home financing.
Helping VA buyers navigate the mortgage process and take advantage of their VA home loan benefits is something I’m passionate about. I’m so glad I could be there throughout the process, answer your questions, and help make your VA home purchase as smooth and stress-free as possible.
Congratulations again on your new home! It was an honor to help you achieve your homeownership goals, and I sincerely appreciate your recommendation. Wishing you many wonderful years in your new home!
“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.”
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!
Response from Owner
Thank you Amanda! It was a pleasure helping you with your first time home purchase! And gaining a new friend along the way! Looking forward to staying in touch!
“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.”
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!!! :)
NNyla M.
“Kelli is absolutely fantastic! She is knowledgeable, motivated, fun to work with, and makes herself available day and night for fast communication!”
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!
Response from Owner
Thank you so much for the 5 star review I appreciate you!
“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.”
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.
MMike K.
“Kelli was fantastic from the very start. She answered every question- some before we even asked!”
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.
JJonathan L.
“Kelli did a fantastic job! She was very patient with all of our questions. She made everything make sense.”
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!
AArtur S.
“Kelli was amazing she handled everything on a personal level it was she was buying a house herself. She explained everything perfectly.”
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.
LLeah B.
“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.”
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.
AAnnie C.
“Kelli is professional, humble and kind. Every step of the way Kelli and team provided excellent care.”
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!
Response from Owner
Thank you so much for your kind words and thoughtful recommendation! It was a pleasure working with you, and I’m truly grateful that you trusted me and my team throughout your mortgage journey. I’m so happy to hear that our guidance, communication, and attention to detail helped make the mortgage process simple, smooth, and user-friendly.
Providing a professional, personalized mortgage experience and making sure our clients feel supported and informed every step of the way is something we truly value. It’s especially rewarding to help first-time home buyers navigate the home financing process and feel confident in their home purchase. Thank you again for choosing to work with me. I sincerely appreciate your trust and look forward to helping you with your future mortgage and home financing needs!
“Friendly, open and accommodating barely begin to describe our experience.”
Friendly, open and accommodating barely begin to describe our experience. Always anticipating not only the next step, but also any questions and needs we might have. The entire team was prompt, courteous and thoughtful. We absolutely recommend them without hesitation.
JJuan C.
“Kelli made the experience easy as possible. She was available day and night for random questions and problem solving.”
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!
AAndrea C.
“Kelli is a professional through and through! … Kelli worked with us through all of it with clear communication and excellent customer service.”
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.
CChristy L.
“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 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
NNandjui K.
“Everyone was amazing, process was quick from the pre- approval to closing the loan it was easy and straightforward.”
Everyone was amazing, process was quick from the pre- approval to closing the loan it was easy and straightforward. Gave us the opportunity to actually enjoy the home buying process and our new home! Loved working with Kelli will be recommending her to anyone looking to buy. We were in great hands.
HHailee H.
“Kelli has been a God send for us. We appreciate everything she has done for us.”
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 🙂
LLeah B.
“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 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.
SSage B.
“What a great team to work with! Kelli was so helpful and friendly and despite a few hitches all worked out well! Highly recommended! Thank you Kelli!”
What a great team to work with! Kelli was so helpful and friendly and despite a few hitches all worked out well! Highly recommended! Thank you Kelli!
NNathanael K.
9/10
“It's been absolutely lovely working with Kelli and her team!”
It's been absolutely lovely working with Kelli and her team!
RRosemary M.
9/10
“Kelli and her team have been exceptional. Their hard work and responsiveness are surpassed only by their friendliness and attention to detail.”
Kelli and her team have been exceptional. Their hard work and responsiveness are surpassed only by their friendliness and attention to detail. They are a delight and we look forward to completing this process with them.
JJuan C.
“Your expertise and responsiveness made everything much smoother and less stressful.”
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.
HHarjit G.
“Kelli was great! She walked me through the whole process and answered any questions I had.”
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.
DDesiree E.
“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 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
AAloha A.
“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!!”
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!!
EErica A.
“I know purchasing a house can be an uphill task, but Rate made loans and purchasing a house look so easy and stress free.”
I know purchasing a house can be an uphill task, but Rate made loans and purchasing a house look so easy and stress free.
SSandra A.
“Great! Kelli was incredibly helpful in making the home-buying process go quickly and smoothly. I would absolutely work with Kelli again.”
Great! Kelli was incredibly helpful in making the home-buying process go quickly and smoothly. I would absolutely work with Kelli again.
RRyan S.
“The process was so smooth and you all took the stress off of me.”
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!
BBridget S.
“Kelli Smith was amazing! Including her team!”
Kelli Smith was amazing! Including her team!
KKatie A.
“Kelli was great . She deserves an award . Every step of the way Kelli was present.”
Kelli was great . She deserves an award . Every step of the way Kelli was present.
AAndre W.
“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!!”
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!!
SStephanie B.
“AMAZING!!! Kelli and her team made this experience so calming and reassuring. I absolutely adore them ❤️❤️❤️ Thank you so much!!!!”
AMAZING!!! Kelli and her team made this experience so calming and reassuring. I absolutely adore them ❤️❤️❤️ Thank you so much!!!!
AAlyss D.
“Kelli and her team were proactive and exceptionally helpful”
Kelli and her team were proactive and exceptionally helpful
JJonathan L.
“Amazing she helped me with kindness”
Amazing she helped me with kindness
JJin-sill K.
“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.”
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.
TTaulago L.
“Kelli was great to work with and made the process easy.”
Kelli was great to work with and made the process easy.
AAdam C.
“It was very professional and they were ready to help with any questions. The online experience made everything to run faster and smothered.”
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.
MMauricio E.
“Everyone was quick, patient and great at communicating”
Everyone was quick, patient and great at communicating
HHailee H.
“Because you are the best. Fast and accurate ????????????”
Because you are the best. Fast and accurate ????????????
