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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Kristie Phillips

Kristie Phillips

Loan Officer

401 Holmes Avenue NE, Stes G And H, Huntsville, AL 35801
Own what matters
Own what matters

About Me

Born and raised in Huntsville, AL I am proud to call the Rocket City, home! I am a wife and mother who takes a caring approach to my clients needs. I am highly dedicated and committed helping clients in their distinct financial objectives, while using the latest technology to help streamline the process. My goal is to make the homebuying experience, as stress-free as possible. As your forever lender, I want you to feel confident that you can count on me to work hard for you.

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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.



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%.


Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.


If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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5.0 out of 5.0 stars
Nov 08, 2023


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NMLS ID #374633
I am authorized to do business in the states of Alabama and Tennessee.