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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
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!
Miriam
Aug 21, 2025
Flagstaff, AZ
Verified

Kristen was amazing to work with. She is super organized and on top of everything. I would highly recommend her to anyone I know needed her services. It was a great experience!!
Sarah Sneider L
Aug 15, 2025
Verified

Working with Kristen on our Flagstaff home loan was such a great experience. She was honest, timely, and kept us in the loop every step of the way. Thanks to her hard work, we closed right on time (or faster!). Highly recommend!
Robert W
Aug 12, 2025
Verified

A great person to deal with. every time I called she was there to answer any questions I had, even on the weekends! I highly recommend her for your mortgage needs.
Tammara P
Aug 11, 2025
Verified

Great lender and great communication throughout the process.
Tammara
Aug 09, 2025
Flagstaff, AZ
Verified

Kristen and her team kept in constant contactevery stepof the way.

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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;