Broker Near Me

Katherine Garza Smoke

NMLS 2554655
4308 Sea Bright Drive, CARLSBAD CA 92008
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Get to know Katherine

Hi, I’m Kate Smoke, a Certified Mortgage Advisor and Mortgage Loan Originator passionate about making the home loan process simple, stress-free, and empowering for my clients. I believe that mortgages don’t have to be confusing — and I take pride in turning complex financial conversations into clear, confident decisions. With years of experience helping families and individuals achieve their homeownership goals, I’ve learned that great lending isn’t just about numbers — it’s about people. Whet

Why choose Katherine?

Loan Products:

Conforming Loans
Conventional Loans
Fannie Mae
FHA
Fixed-Rate Mortgages
Freddie Mac
Jumbo Loans
USDA
VA

Languages spoken:

English

Brokerage info

Questions? Katherine has answers.

We prompted questions to Katherine so you can learn more about their skills, preferences, and availability.

Primarily I work remotely, so I am able to serve clients all over the state of CA. I use all sorts of virtual means to help clients feel connected and able to understand complex financial information.

I am very well connected in the San Diego area real estate community. I have helped support my husband's Real Estate Team for the past 7 years, so our community connections run deep.

We keep our fees much lower than most in our industry. We are able to beat many other lending platforms on the market. So if you're not sure... just ask!

My heart is especially with our Veteran community, being a Veteran family ourselves. I also feel super inspired to help first time homebuyers feel educated and supported.

Clients can expect an in-depth understanding of the Mortgage part of the process. I want my clients to feel informed and confident about making their decisions. There are NO stupid questions!