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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

When you’re ready to take that first step to purchasing or refinancing a home, you want to go in with confidence knowing exactly what you’re able to buy, the program that best fits your needs and wants. There are so many benefits to owning a home.   

A little about me… 

I have a proud 20+ years of mortgage & customer “love” experiences.  I have been blessed to have worked with so many great leaders that helped get me to where I am today.  In the beginning of my mortgage journey, my servicing team assisted homeowners experiencing financial hardships.  I had the ability to create resolutions to keep them in their homes. After several years’ experience with high skilled operations teams, I processed loans and assisted homebuyers through underwriting approval.  Discovering at an early age, my passion is to help others and in hopes to create a relationship for years to come.  I am now a licensed loan originator with Guild Mortgage Company, and proud to admit we are ranked #1 in customer satisfaction!  I am with a company that stands out against all other lenders with their compassion to give the best experience to our existing and future customers.   I look forward to the opportunity to work with you!  I can't wait to help be a part of your next buying or refinance experience.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.97 out of 5.0 stars
5.0
4.95
5.0
zemelvia w
Jun 13, 2025
Verified

Kristina was such a joy to work with. She’s very informative and always available. She took away every ounce of nervousness I felt and replaced it with certainty. I wouldn’t have chosen a better person to work with. This whole process has been exciting and actually fun working with her.
Shanta D
Jun 11, 2025
Verified

Mrs Kristina is the best I just can’t think you enough from the phone calls to the text messages you was always there thank you so me Mrs.Kristina
Shanta
Jun 11, 2025
Verified

Kristina was Awesome.she did just what she told me she would do get me to the closing table.I just can’t thank you enough Mrs.Kristina from the beginning to the end Thank you 😍😍😍
Maylin
Jun 02, 2025
Montgomery, AL
Verified

Kristina was great to work with, she kept me informed all through the process, she is very prompt at returning calls, emails and texts. She even sends a personalized video of where in the loan process we are, which i thought was so unique and such a personal touch. Thank you for all your help with the buyer, I am looking forward to working with you some more.
Bradley
May 27, 2025
Opelika, AL
Verified

I knew Kristina would go above & beyond for my client. I knew she had the knowledge to assist my client & also support her throughout the process. Kristina is fully comitted to her clients, & what she starts, she finishes strong. I can count on Kristina; her character & courtesy for my client was top notch. Thankful to work alongside Kristina!
Lucy M
May 27, 2025
Verified

Kristina Davis was "AWESOME". Our first conversation we talked for about an hour and she understood exactly what I was trying to do. She did an "EXCELLENT" job working the numbers to pre-qualitfy me and for closing. She kept me informed during the whole process. She and my realtor worked "Great" together. I would recommend Kristina Davis and Guild Mortgage for your mortgage.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1933913
I am authorized to do business in the states of Alabama and Florida.