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Frisco, TX
Dallas Fort Worth Real Estate and Lending
Your approval. Your keys. One trusted guide.
A Loan Officer and REALTOR® under one roof, guiding buyers, sellers and families relocating to Texas from approval to keys.
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Waxahachie, TX
Your listing
McKinney, TX
A Loan Officer, REALTOR®, board member and mentor who brings the home search and the mortgage together, so families move with clarity instead of guesswork.
Meet Laila
Welcome to Approval to Keys
For more than 16 years I have worked on both sides of the closing table. I am a Loan Officer with HomeTown Lending and a Texas licensed REALTOR® with United Real Estate Dallas, with a background in underwriting, originations and refinances.
I specialize in first time buyers, self employed and 1099 borrowers, and families relocating to Texas from California, Florida, Washington and Canada. You work with one person who understands the house and the loan, and who answers you herself.
I serve on the board of the Women's Council of REALTORS® Dallas and proudly serve veterans, first responders, healthcare workers and teachers through Homes for Heroes.
Read my storyLoan programs
A loan for how you really earn.
W2, self employed, 1099 or building new, there is a path to the keys. As your Loan Officer, I match you to the right program before you ever start shopping.
Purchase
Traditional financing
- Conventional First time and move up buyers
- FHA Flexible credit and down payment
- VA Veterans and service members
- New Construction Builder and custom homes
Self Employed
Non QM financing
- 12 or 24 Month Bank Statement Qualify on deposits, not tax returns
- Profit and Loss Qualify with a P&L statement
- 1099 One year of 1099 income
- Asset Depletion Qualify using your assets
Professionals and Owners
Specialty and refinance
- Professional Loans Doctors, attorneys and more
- Refinance Rate and term or cash out
- Home Value Check See what your home is worth
Programs, terms and eligibility vary and are subject to credit approval, underwriting guidelines and program availability. This is not a commitment to lend. Laila Smith, NMLS #844202, HomeTown Lending, NMLS #2712965. Equal Housing Opportunity.
City lights to open land
All the ways to live in Texas.
A high rise in Uptown, a new build in Frisco or a few acres with room for horses in Waxahachie. Whatever home looks like for you, I can help you finance it and find it.
A proven track record
460+Closed transactions
16+Years of experience
2Licenses, one guide
2xTop producer
What clients say
Kind words from home.
Over 460 families have trusted me with the biggest move of their lives. Read what they say in their own words.
Read my Google reviewsFor agents
Partner with a lender who knows the agent side.
My Core Agent Partner group and The Successful Agent Playbook give DFW agents real support to grow, plus a lender who keeps deals moving.
Become a partner- Open house flyers and support
- Google Business Profile and CRM setup
- Co sponsored events and joint marketing
- Podcast room at my office
- Creative loan options for stuck buyers
Home base · Frisco, Texas
Living and lending where I call home.
From Frisco and Prosper to Plano and McKinney, I help families find the right neighborhood and the right loan to get there.
Areas served
Rooted across Dallas Fort Worth.
Let's begin
Your next home is waiting.
Whether you are buying, selling or getting preapproved, every great move starts with a conversation.