I’m Kelly Smith, a producing Area Manager and Loan Officer at Seabright Mortgage in Santa Cruz. With years of hands-on experience in mortgage lending, I’ve had the privilege of helping countless individuals and families secure the right financing to achieve their dream of homeownership.

I specialize in a wide range of loan programs, including first-time homebuyer programs, down payment assistance, VA, FHA, conventional, and jumbo loans. No two clients are the same, and that’s why I take the time to listen, understand your goals, and create personalized solutions that set you up for long-term success.

Why Choose Me?

Buying a home is one of the biggest financial decisions you’ll ever make, and who you choose to guide you through the process matters. My clients know me for being:

• Transparent and Honest – You’ll always get clear, straightforward answers.

• Proactive and Responsive – I make sure you never feel left in the dark.

• Solution-Oriented – From complex scenarios to last-minute hurdles, I know how to problem-solve and get deals closed.

• Community Focused – Santa Cruz is my home, and I care deeply about helping people here build stability and wealth through real estate.

More Than a Mortgage Consultant

Mortgages aren’t just about numbers; they’re about people, families, and dreams. That’s why I focus on more than just finding you a loan. My role is to educate, support, and advocate for you every step of the way.

I believe in building relationships, not transactions. For me, success isn’t measured by the number of loans I close, but by the trust I earn and the lifelong partnerships I build with my clients.

Let’s Achieve Your Goals Together

Whether you’re a first-time homebuyer, moving up to your forever home, or exploring refinance and investment opportunities, I’m here to guide you. Together, we’ll find the mortgage solution that fits your lifestyle, your financial goals, and your future.

Let’s make your dream of homeownership a reality — starting today.

Contact Me Today:
📧 ksmith@seabrightmortgage.com
🌐 Apply Now

When you work with me, you’re not just getting a loan officer, you’re getting a trusted partner who’s invested in your future.