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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
4.97
5.0
Stephen
Sep 06, 2025
Bellemont, AZ
Verified

Kristen was very communicative from before the start and even after the finish. She knows what she is doing and made it a great and predictable experience for me as the agent on the other side. Thank you Kristen!
Average B
Sep 08, 2025
Verified

We had an exceptional experience working with Kristen Smith at Guild Mortgage. Kristen’s communication was outstanding—she kept us informed at every step, clearly explaining what was needed to move the loan process forward in a timely manner. Her professionalism and expertise made the entire process seamless and stress-free. Guild Mortgage was equally impressive, providing a smooth and efficient experience from start to finish. We highly recommend Kristen and Guild Mortgage to anyone looking for a reliable and supportive mortgage lender!
Taylor S
Sep 06, 2025
Verified

Kristen and her team did a great job. Very responsive and took the time to explain things and answer our questions!
Taylor
Sep 05, 2025
Flagstaff, AZ
Verified

Kristen and her team were great. Very responsive and explained home buying to us first-timers. So thankful for them!
Emily O
Sep 04, 2025
Verified

Kristen is the absolute best! She is a great communicator, very knowledgeable and thorough, and she made the process so easy. Thank you, Kristen and your whole team too!
Lori Anna H
Aug 22, 2025
Verified

Kristen is the most knowledgable loan officer. She always provides the highest level of client service which is why I refer her to all of my clients. I highly recommend Kristen Smith!

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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;