Mortgage expert Vicki Smolich (NMLS# 309740; DE: MLO-309740; MD: 25355) leverages 30 years of mortgage banking experience to guide clients through seamless home financing. Specializing in first-time homebuyers, Vicki simplifies the loan process, offering personalized support and expert advice. Her deep product knowledge spans FHA, VA, Conventional, USDA, and Jumbo loans. Built on 100% referrals, Vicki's success stems from attentive listening, prompt communication, and a customer-first approach. Partnering with Academy Mortgage's strong operations team ensures a positive and rewarding home buying or refinancing experience. State Lic: DE: 010825; MD: 12423; Corp NMLS #3113; Equal Housing Lender.