Kayla Smith

In need of a loan to purchase or refinance a home? Get started now by downloading my mobile app below, or clicking the APPLY NOW button to the right.

Kayla Smith 
Mortgage Loan Originator
NMLS #1098809

Office: (907) 456-8831
Cell: (907) 388-9127

360 Merhar Avenue
Fairbanks, AK 99701

I was born and raised in Phoenix, Arizona. In 2015 my husband and I made a major decision to invest in a good a pair of snow boots, head north, and settle down with our two boys in the beautiful Land of the Midnight Sun – Fairbanks, Alaska. 

I have been in the mortgage industry since 2013, and one of my favorite aspects of the job is being an industry go-to whom everyone feels comfortable working with. I love meeting new people, and assisting them with their mortgage needs. I know the home buying process can seem complicated and become overwhelming at times; however, I am here to educate; determine what loan program best suits your needs; and guide you through the home loan process with open and clear communication to ensure you feel comfortable. I pride myself on my commitment to my clients and will always be available to you. Never hesitate to ask me questions, even if it seems unrelated, everyone benefits when knowledge is shared.

Use my mortgage calculators to:

  • evaluate if it's financially better for you to buy or rent a home;
  • estimate your monthly payment and see how the principal is paid down over time;
  • assess if you'll save by refinancing your current loan;
  • and more!



Kayla Smith went above and beyond when it came to assisting me with my home loan. She took great care in explaining every part of the process as we progressed through the various stages and answered all of my questions fully. When faced with roadblocks she went the extra mile and made things as smooth as possible.  – Antonio Balayan