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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
4.96 out of 5.0 stars
5.0
4.93
5.0
Shanita
Jan 06, 2025
Mobile, AL
Verified

Professionalism, knowledg, and overall experience was great working with Kristina
Shanita S
Jan 03, 2025
Verified

Very sweet and easy to work with. Answered my questions and concerns always was available when needed. My family and I are so grateful to work with her !
Shanita
Jan 03, 2025
Verified

My experience working with Kristina was wonderful. Any questions I’ve had were answered regardless the time of day. My process was smooth and everything that was sent to me was explained. Thanks Kristina❤️
JaCinda and Richard J
Dec 13, 2024
Verified

We refinanced our home mortgage with Kristina in June 2024. She was from the very beginning of the process transparent and ready to work. My initial conversation with her was outside of business hours. She apologized for calling later in the day, but she’d promised she’d call before end of her work day and that is exactly what she did. The entire process wasn’t necessarily smooth because we had several hiccups along the way. We even had a hiccup a few weeks AFTER the closing. But, Kristina was always a step ahead of the curve and would call not only the hiccup but also the options to overcome the problem. If in the future we have a need for mortgage assistance, Kristina will definitely be our first call. Thank you, Kristina!
Brittany
Dec 04, 2024
Verified

Absolutely fantastic experience. I cannot rave enough about how seamless Kristina made this process for us being first time homebuyers. She was knowledge, available, friendly, informative and worked with out chaotic schedule so well! I’m so thankful we found her and had such a smooth experience. Could not ask for better
Briana
Dec 02, 2024
Verified

she made the process of getting a home so easy! she was informative about everything, answered any questions no matter the time of day! we never had to second guess anything the idea of buying a home was daunting but she made it like a piece of cake! would recommend to anyone! especially first time home buyers who feel nervous about getting their first home!

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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.