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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
4.94
5.0
Alli
Mar 08, 2025
Verified

Kristina was a pleasure to work with! As a first time home buyer, she made the process very easy. She was patient when answering questions and made sure I was comfortable through each step of the home buying process. I highly recommend her!
Lisa
Mar 03, 2025
Auburn, AL
Verified

email updates kept me in the Loop
Emily P
Feb 26, 2025
Verified

Kristina was amazing to work with! She walked me through every step of the process and answered all of my questions. As a first- time homebuyer, things can be very overwhelming but she made me feel confident. You are in good hands with Kristina!
Jeannie M
Feb 26, 2025
Verified

Kristina Davis was wonderful to work with. She was very knowledgeable and always made sure to explain everything. She was always available to answer any questions that I had.
Roxanna
Feb 26, 2025
Verified

Kristina Davis was wonderful to work with. She was very knowledgeable and always made sure to explain everything. She was always available to answer any questions that I had.
Douglas
Feb 24, 2025
Auburn, AL
Verified

I had the pleasure of working with Kristina Davis during the home loan process, and she was absolutely outstanding. From start to finish, she demonstrated exceptional professionalism, clear communication, and unwavering support. Kristina was always available to answer my questions and guided me through each step with patience and expertise. She made what could have been a stressful process feel smooth and manageable. Her attention to detail and ability to address any concerns promptly truly set her apart. I am incredibly grateful for her help and would highly recommend Kristina to anyone seeking a reliable and knowledgeable professional for their loan needs. She made the entire experience seamless and enjoyable.

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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.