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Kristen Smith

Kristen Smith

Branch Manager

11811 Pegasus Rd, Bellemont, AZ 86015
Own what matters
Own what matters

About Me

Meet Kristen Smith, a cherished member of our team and a devoted mother and wife. Kristen is married to the ever-humorous Brian Smith, who is a favorite among our office staff. Together, they share their home with their amazing daughter, Charlee, who is 13 years old, as well as their three beloved dogs: Pancho, Five, and Carhartt. 

When it's time to indulge in a delicious meal, Kristen and Brian's go-to spot is Annex, where they can enjoy delectable cuisine while sipping on their favorite red wine. Outside of dining adventures, Kristen finds joy in spending quality time with her family, whether it's enjoying live music, camping trips, or exploring the woods together. 

Kristen's love for sports shines through in her support for the Green Bay Packers, the Suns, and the Diamondbacks. Whether she's cheering from the sidelines or watching the game at home, Kristen's enthusiasm for her favorite teams is infectious. 

With her warm demeanor, love for her family, and passion for life's simple pleasures, Kristen Smith brings positivity and vibrancy to our team, embodying the values of camaraderie, dedication, and joy. 

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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.

Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.98
Callie H
Jan 06, 2024
Verified

The efficient and consistent communication
Stephanie
Dec 07, 2023
Verified

Kristen was amazing during every step of the process. Communicative and kind, very clear about what was needed and when. Perfect amount of follow-up. Flexible, patient and responsive. We felt very well taken care of, and she took the stress out of a very stressful process!
Lukasz
Nov 23, 2023
Verified

Easy through entire thing.
Amanda
Nov 23, 2023
Verified

Kristen was pleasant to speak with on the phone and I appreciated that she was able to explain the mortgage process clearly. Our case was kinda complicated and Kristen handled it with grace.
Donald
Oct 21, 2023
Verified

Very professional. Went above & beyond for us.
Ana
Oct 21, 2023
Verified

Kristen and her team are fantastic. They provided fast and clear answers to all of our questions and concerns. They are very professional but also friendly and pleasant. It was a real pleasure working with Kristen and Bill.

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Awards

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Causes I'm
passionate about

causes
NMLS ID #1993938
I am authorized to do business in the states of Arizona, Colorado and Texas. AZ BK#0018883; AZ BKBR# 1050935; AZ LO Lic.# 1010697;