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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
Rhianne
Feb 1, 2026
Flagstaff, AZ
Experience logo
Very helpful and went above and beyond with helping us and the person we were buying from with information, bargaining, ...See more
Tara
Jan 20, 2026
Flagstaff, AZ
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Kristen was fantastic to work with. She is very knowledgeable in her field and generous and flexible with her time. Sh...See more
Holly
Jan 16, 2026
Flagstaff, AZ
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You're the BEST
Kurt
Jan 12, 2026
Camp Verde, AZ
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As I mentioned in my last emaill, Buyer is very happy with his new home and our team efforts educating and ...See more
Holly W.
Jan 6, 2026
Google logo
Kristen Smith Absolutely incredible Loan Officer. She is knowledgeable, extremely communicative with myself as the agent...See more
Catherine
Jan 5, 2026
Flagstaff, AZ
Experience logo
Kristen and the Guild Mortgage members, make you feel so comfortable and they took great care and time to make sure we u...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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