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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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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.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.98 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
Jason
Dec 11, 2025
Flagstaff, AZ
Zillow logo
Working with Kristin Smith at Guild Mortgage was an absolute pleasure. From start to finish, she was professional, detai...See more
DOUGLAS
Dec 9, 2025
Kristen demonstrated mastery of her profession in a timely and efficient manner, I would recommend her as a solid addit...See more
Patrick
Dec 8, 2025
Flagstaff, AZ
Experience logo
Kristen and team were super communicative and very helpful.
Robert W.
Dec 4, 2025
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A great person to deal with. every time I called she was there to answer any questions I had, even on the weekends! I hi...See more
Sarah S.
Dec 4, 2025
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Working with Kristen on our Flagstaff home loan was such a great experience. She was honest, timely, and kept us in the ...See more
Lori A.
Dec 4, 2025
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Kristen is the most knowledgable loan officer. She always provides the highest level of client service which is why I re...See more

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Awards

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Causes & Memberships

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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;

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