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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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
4.98
5.0
Danya M
Apr 05, 2025
Verified

Kristen is incredible! She was very patient, communicative, and supportive in the process of our first loan. She took the extra time to explain what all the fancy terms meant without making us feel silly for not knowing. We have unusual and complicated finances but she always knew exactly what to do! We can't thank Kristen enough for all of her support! Despite all the stress of getting a loan to buy our first house, Kristen made it an enjoyable experience. I'd go back to her 100x over and will recommend her to all my friends and family!
Justin B
Apr 04, 2025
Verified

Kristen is the best! She always shows up and does what she says. Our experience has always been outstanding and she goes above and beyond for our clients!
Shane
Mar 31, 2025
Flagstaff, AZ
Verified

Kristen was clear, quick, and easy to work with. We are glad we went with her!
Cheryl
Mar 31, 2025
Flagstaff, AZ
Verified

Kristen was able to come into the picture with a time delay and get all the necessities done to keep the closing on time!
Ellen
Mar 31, 2025
Flagstaff, AZ
Verified

Kristen's professionalism and proactive communication were integral to the transaction.
Norma
Mar 10, 2025
Flagstaff, AZ
Verified

Eileen and Kristen did great.

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Awards

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;