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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

I am Kristen Smith, I have a wonderful 13-year-old daughter, Charlee, and share my home with three beloved dogs: Pancho, Five, and Carhartt.
I enjoy dining at my favorite restaurant, Annex, where I savor delicious meals paired with my preferred red wine. Outside of my culinary adventures, I love spending quality time with my family, whether it’s attending live music events, going on camping trips, or exploring the great outdoors.

As a passionate sports fan, I enthusiastically support the Green Bay Packers, the Suns, and the Diamondbacks. My infectious enthusiasm is evident whether I’m cheering from the sidelines or watching the game at home.

I embody the values of camaraderie, dedication, and joy. My love for my family and passion for life’s simple pleasures make me a cherished part of our community.
 

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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.

Manufactured homes

Manufactured homes

Manufactured or CrossMod homes feel just like traditional, site-built homes. Fannie Mae’s MH Advantage® or Freddie Mac’s CHOICEHome programs create more flexible, affordable and innovative home options if you’re interested in purchasing a custom manufactured home with the look and feel of a traditional home. These can include many of the same amenities like garages, car ports, porches, decks and more.

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
Bryan
Oct 10, 2025
Flagstaff, AZ
Verified

Kristen Smith at Guild mortgage is awesome. She made everything so easy and was very helpful. I also ended up closing a over a week sooner than I thought! Thank you Kristen!
Kenneth
Oct 10, 2025
Clarkdale, AZ
Verified

Although a very trying process every thing worked out well
Deborah
Oct 10, 2025
Clarkdale, AZ
Verified

Kristen was just wonderful and responsive to all our needs
Bailey W
Oct 05, 2025
Verified

Kristen with Guild Mortgage is AMAZING! She went above and beyond for us every step of the way but especially during our search for our home; she helped create so many different scenarios and loan types in order to keep us in or budget. During the escrow process kristen texted AND called us each step of the way to keep us informed and we even got emails when "big" milestones were met for our loan. Kristen answered all of our text messages within minutes and all of our phone calls on the first ring . She is companionate and so very kind. We will definitely be referring any friends/family to Kristen.
Bailey
Oct 03, 2025
Flagstaff, AZ
Verified

Kristen is AMAZING! She went above and beyond for us every step of the way but especially during our search for our home; she helped create so many different scenarios and loan types in order to keep us in or budget. During the escrow process kristen texted AND called us each step of the way to keep us informed and we even got emails when "big" milestones were met for our loan. Kristen answered all of our text messages within minutes and all of our phone calls on the first ring . She is companionate and so very kind. We will definitely be referring any friends/family to Kristen.
Jerica
Sep 20, 2025
Williams, AZ
Verified

Kristen and team were super helpful and great to work with!

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
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;