Building a Family-Friendly Mortgage Plan This Summer

June 03, 2025•2 min read

As a mom of three and a mortgage professional, I understand how challenging it can be to balance family life and big financial decisions. Summer is one of the busiest seasons for real estate in Florida, and many families find themselves juggling vacation plans, school schedules, and the dream of finding their perfect home.

At Smart-N-Loans, we take a family-first approach to mortgage planning. Whether it’s creating a flexible monthly payment that fits your budget or finding programs that require little to no down payment, we align the home loan process with real life.

I’ve spent weekends walking Florida nature trails with my husband and kids, talking about what makes a house feel like home. For us, it’s the simple things: space to grow, a kitchen where we can cook together, and neighborhoods where the kids can play safely. That same mindset fuels how I help my clients.

When you work with Smart-N-Loans, you’re not just another file. You’re a family with goals, and we take that seriously.

Our mission is not only to provide the best financing solutions but also to educate families throughout the process. We believe in breaking down barriers and building trust. I make sure every client knows their options, what each number means, and how it all fits into their lifestyle. That’s especially important when buying a home during the summer, when timing, travel, and transitions are already part of the mix.

And because I’m a mom too, I know the importance of creating financial security without sacrificing precious family time. That's why we use digital tools to simplify the process, offer virtual appointments, and make paperwork stress-free and accessible. That way, you can focus on your next picnic, beach day, or game night, while we focus on getting you pre-approved and moving forward.

Let’s build a smart plan together so your summer dreams become reality.

📞 Call or text 321‑321‑9455 to get pre-approved today.
✉️ [email protected]
🌐 smart-n-loans.com

Fast. Simple. Smart Loans.
Kelly Nadeau, NMLS #1027618
Loan Officer | Empowered by NEXA Mortgage Smart‑N‑Loans
NEXA Mortgage, LLC | NMLS #1660690
Equal Housing Opportunity
Serving: Florida
🔗 https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690

Not a commitment to lend. All loans subject to credit approval and program guidelines. Terms subject to change. Kelly Nadeau NMLS #1027618 is licensed in Florida. NEXA Mortgage LLC NMLS #1660690. Equal Housing Lender.

Kelly Nadeau

Kelly Nadeau is a dedicated Loan Officer and Florida mortgage expert, proudly empowered by NEXA Mortgage Smart‑N‑Loans. As a mom of three and business partner to her husband, Kelly brings heart, hustle, and high-level service to every client interaction. With access to 200+ lenders and programs—including FHA, VA, Conventional, JUMBO, DSCR, Bank Statement, and First-Time Buyer loans, she tailors each solution to fit real-life goals. Whether guiding a new homebuyer or helping a family refinance, Kelly blends education, empathy, and efficiency. When she’s not helping clients build generational wealth, you’ll find her at the beach with family, crocheting, cooking, or nurturing tropical fruit trees in the Florida sun. Her mission? Make home loans fast, simple, and smart—for every Florida family.

Back to Blog