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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
4.98 out of 5.0 stars
5.0
4.97
5.0
Syx P
Aug 28, 2025
Verified

Kristina is amazing from beginning to end if you are a first time homebuyer you need this white glove service. My favorite part is the guild videos that keep you updated on your progress from the application to clear to close. Kristina was always calm and very confident even when I was a nervous wreck. All first time home buyers look no further Guild Mortgage Kristina Davis is the guide/advisor and she is transparent, easy to talk, always communicating so you’re never in the dark about anything. Kristina is honest about the do’s and don’t to keep you on track to ensure the best possible outcome. Call her today and yes I am a fan!
Erin
Aug 25, 2025
Opelika, AL
Verified

Kristina is absolutely AMAZING!
Erin
Aug 21, 2025
Verified

Kristina has been such an angel throughout my home buying process. From getting me a pre-approval on NYE (yes, really!) to giving me some great advice, she has been amazing throughout this time. Not only is she extraordinary at what she does, she truly cares about each and every customer.
Tan
Aug 20, 2025
Verified

Kristina is great at what she does she professional and caring. working with her has been great and I would recommend her to any one going through the home buy process because shes easy to work with and keeps your best interest at heart! and she will do all she can do to make things easy for you.
Kevin
Aug 09, 2025
Auburn, AL
Verified

Very easy to work with - especially being remotely located .
Kevin
Aug 10, 2025
Verified

Kristina was very professional and easy to work with. She made the purchase process very seamless. Highly recommended working with Kristina for any home financing needs.

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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.