Kimberly Smith

Kimberly Smith

Mortgage Banker
NMLS ID 267828
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About

At Platinum Home Mortgage Corporation, we are able to provide financing solutions to our customers to meet their individual needs. It is my personal mission to provide each of my clients more than just a mortgage. Whether you're in the local Bakersfield, California area or in Colorado, North Dakota, Oregon, or Texas, I'm licensed and happy to assist.


Whether you are purchasing or refinancing, put my decade of experience to work for you. I look forward to the opportunity to demonstrate the benefits of my service.


I specialize in first-time buyer programs, including FHA, VA, and USDA Rural Housing. We also have a specialized renovation department that serves our customers from initial application through the hammering of the last nail. Find out about the benefits of FHA and conventional renovation financing.

Contact Info

Phone
Cell Phone 661-978-2997
Fax 661-800-4830
Address 5601 Truxtun Ave Suite 200, Bakersfield, CA 93309
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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
GET PREAPPROVED
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
MAKE AN OFFER
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
HOME APPRAISAL
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Property
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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