Experience built my career. Curiosity built everything else.
34+ years of straight answers, real expertise and a genuine love of making complicated things easy.
What I Do
SMS Mortgage
34+ years of mortgage, lending and underwriting experience.
Purchase, refinance, home equity, reverse mortgage and complex financing — with direct access to Stephanie, not a call center.
Visit SMS MortgageSMS Real Estate
Personal, full-service real estate representation with Stephanie Pedley.
Experienced pricing, negotiation and financing insight from someone who has been doing this for decades.
Visit SMS Real EstateFixed Rate Real Estate
Full-service Southern California real estate with a smarter 1% listing-side fee.
All the expertise, none of the inflated commission. Smart representation from listing through closing.
Visit Fixed Rate Real EstateStephanie On Sports
Sports commentary, football education, game-day fun and content from Stephanie.
Football for people who always wanted to understand the game — and sports content for people who just love talking about it.
Visit Stephanie On SportsOkay… what brought you here?
Pick your path — I'll point you in the right direction.
"I've spent my career turning complicated into clear. That's not a job description — it's just how I'm wired."
More Than My Résumé
Turns out, I do leave the office.
I love teaching, learning, building businesses, spending time outdoors, traveling, talking sports and finding new ways to connect with people. My career has changed and expanded over the years — but the part I enjoy most has stayed the same: helping someone understand something that once felt overwhelming.
Okay, Let's Talk.
Buying, selling, financing, talking sports — or just have a question? Send me a message. You'll hear from me, not a giant customer-service department.
Contact Stephanie