Mortgage Strategy Backed by 34+ Years of Experience
Purchase · Reverse Mortgage · Reverse Mortgage Second · HELOC · Refinance · Jumbo · VA · FHA
Work directly with Stephanie Pedley, an experienced mortgage professional with more than 34 years of experience in lending, underwriting, credit, loan structuring, real estate, and home equity strategies. Whether you are buying a home, considering a reverse mortgage, exploring a second-lien reverse mortgage, accessing home equity, refinancing, or navigating a complicated financial situation, Stephanie helps you understand your options before choosing a loan.
Underwriting Experience. Personalized Loan Strategy. Direct Access to Stephanie.
You're Not Calling a Mortgage Call Center. You're Working Directly With Stephanie.
Stephanie Pedley brings more than 34 years of mortgage, underwriting, management, credit, real estate, and loan-structuring experience to every client relationship.
Having worked both sides of the desk as an underwriter and loan originator, Stephanie understands how lenders evaluate loans and how to identify potential challenges before they become problems. Today, that experience also includes helping homeowners understand rapidly evolving home-equity and reverse mortgage options.
Meet Stephanie →34+
Years of Mortgage Experience
3
Active Licenses (NMLS & DRE)
Direct Access to Stephanie
No call centers. No handoffs. You work with Stephanie from first call through closing.
NMLS Individual #1087365 · NMLS Company #1147207 · CA DRE #01265685
Mortgage Services
Purchase, refinance, or access equity — with experienced guidance at every step.
Buying a Home
Get pre-approved with a loan strategy built around your income, credit, down payment, property type, and long-term goals. Stephanie helps buyers understand their financing before they make an offer and stays involved through closing.
Reverse Mortgage & Reverse Mortgage Second
Explore traditional reverse mortgage options and newer second-lien reverse mortgage products that may allow eligible older homeowners to access equity while keeping an existing first mortgage in place. Minimum age and eligibility vary by product.
HELOC & Home Equity
Explore options for accessing home equity for remodeling, debt consolidation, investment, major purchases, or financial flexibility.
Refinancing
Review whether refinancing makes financial sense based on your current loan, interest rate, equity, goals, and expected time in the property.
Jumbo / High-Balance
Experienced guidance for higher-balance loans, complex income, significant assets, and borrowers who require more detailed loan structuring.
Conventional Loans
Traditional conforming financing for purchases and refinances with multiple down-payment and loan-structure options.
FHA Loans
Flexible financing options for qualified buyers who may benefit from FHA underwriting guidelines.
VA Loans
Mortgage guidance for eligible veterans and military borrowers, including purchase and refinance options.
Self-Employed & Complex Income
Experienced review for business owners, commission earners, investors, borrowers with multiple income sources, and complicated tax returns.
Complimentary Credit Review
Understand your credit profile and identify potential issues before you apply. Stephanie reviews the full picture — not just the score.
Home Equity Strategy
Have a Great First-Mortgage Rate? You May Not Have to Give It Up to Access Your Equity.
Ask Stephanie About Second-Lien Reverse Mortgage Options.
Many longtime homeowners have significant equity but also have something they do not want to lose — a low-rate first mortgage.
Traditional cash-out refinancing usually replaces that first mortgage.
But newer second-lien reverse mortgage options may allow eligible older homeowners to access a portion of their home equity while keeping their existing first mortgage in place.
Unlike a traditional HELOC or home equity loan, certain reverse mortgage second-lien products may not require a new monthly principal-and-interest payment on the second mortgage.
These products are not appropriate for everyone, and availability, age requirements, equity requirements, costs, property requirements, and loan terms vary. Stephanie can help you compare the available options and determine whether a traditional HELOC, reverse mortgage, reverse mortgage second, refinance, or another home-equity strategy deserves consideration.
How It Works
Tell Me Your Goal
Buying, refinancing, accessing equity, exploring a reverse mortgage, or determining how to use home equity during retirement.
I Review the Entire Picture
Credit, income, assets, existing mortgage, interest rate, equity, property, age eligibility, and long-term goals.
We Compare the Options
Stephanie can help compare purchase loans, refinances, HELOCs, traditional reverse mortgages, second-lien reverse mortgages, and other available strategies.
I Stay With You Through Closing
Receive direct communication and experienced mortgage guidance from application through funding.
Mortgage Calculator
Estimate your monthly payment for a purchase, refinance, or HELOC. Rates shown are for illustration only — contact Stephanie for a personalized quote.
Purchase Details
* Estimates are for illustration only and do not include taxes, insurance, HOA fees, or closing costs. Not a loan commitment.
Your Estimate
Est. Monthly Payment
$3,373
Principal & interest only
- Loan Amount
- $520,000
- Down Payment
- $130,000
- Loan-to-Value (LTV)
- 80.0%
- Total Interest Paid
- $694,176
- Total Cost of Loan
- $1,214,176
Why Clients Choose SMS Mortgage
- 34+ Years of Mortgage, Underwriting, and Real Estate Experience
- Direct Access to Stephanie — No Call Centers, No Handoffs
- Reverse Mortgage and Second-Lien Reverse Mortgage Expertise
- Strong Underwriting and Credit Knowledge
- Personal Loan Strategy Tailored to Your Situation
- Experience With Complex Borrowers, Self-Employed, and Jumbo Loans
- Purchase, Refinance, HELOC, VA, FHA, Conventional, and Reverse Mortgage Financing
- Clear Communication From Application Through Closing
Common Mortgage Questions
Answers to questions Stephanie hears most often from homeowners and homebuyers.
Have a question that isn't answered here? Stephanie is happy to talk through your specific situation.
Not Sure Where Your Credit Stands?
Start With a Complimentary Mortgage Credit Review.
Your credit score is only part of the mortgage picture. Stephanie can help review your credit profile, identify potential issues that may affect financing, and explain what steps may improve your mortgage options before you apply.
Request My Complimentary Credit ReviewThis review is educational in nature and does not guarantee loan approval or a specific credit-score increase.
Let's Talk About Your Mortgage
Whether you're purchasing a home, refinancing, accessing equity, considering a reverse mortgage, or wondering whether a second-lien reverse mortgage could allow you to keep your existing first mortgage, Stephanie can help you understand your options.
Get in Touch
SMS Mortgage
DRE License #01265685 | NMLS Individual #1087365 | NMLS Company #1147207