Your Home. Your Terms. Let's Make It Happen.

Get fully pre-approved, not just pre-qualified. Stephanie Smith is a Northern Nevada mortgage advisor at NCM Lending helping families close in as little as 14 days.

Stephanie Smith, Mortgage Advisor

NCM Lending

Phone: (775) 316-2210

Email: [email protected]

NMLS# 1966112

Company NMLS# 235599

Licensed in: CA, NV

Northern Sierra Financial Services dba NCM Lending is an Equal Opportunity Lender NMLS #235599 CA DRE #1851459 (www.nmlsconsumeraccess.org) This is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in. CA DRE 01310066 NV BS145622

Stephanie Smith | Mortgage Advisor | NCM Lending

Get fully pre-approved, not just pre-qualified. Stephanie Smith is a Northern Nevada mortgage advisor at NCM Lending helping families close in as little as 14 days.

Your Home. Your Terms. Let's Make It Happen.

The NCM Lending Promise

The NCM Lending Difference

A Process Built Around You

We Don't Stop at the Closing Table

Loan Programs for Every Need

What Clients Are Saying

Ready to Find Your Home?

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LOAN PROGRAMS

Northern Nevada & California Mortgage Expert

Buying a home should feel exciting — not stressful. My job is to help you turn mortgage options into clear choices.

Why Work With Us

By the Numbers

Numbers that reflect real relationships across Northern Nevada

Your Home Buying Journey

Annual Mortgage Reviews

After Closing

Where most lenders say "thank you and come back again," I take an entirely different approach. Your mortgage is one of your largest financial assets — it deserves ongoing attention.

With dedicated annual reviews, I help you manage your mortgage, monitor your home equity, and protect your investment as your life evolves.

Solutions

Client Love

Let's start with a conversation. No pressure, no obligation — just honest guidance about your options.

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NMLS#

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