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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
Norma
Mar 10, 2025
Flagstaff, AZ
Verified

Eileen and Kristen did great.
Kiona A
Mar 06, 2025
Verified

I had an excellent experience working with loan officer Kristen! She was incredibly knowledgeable and attentive, always available to answer any questions I had—regardless of whether they were small, big, or even repeated. Her calm demeanor and obvious expertise transformed what could have been a stressful process into a smooth and easy experience. Our situation was unique, as we were navigating the loan process alongside an investor friend, but Kristen handled everything with remarkable ease. She made the entire experience feel seamless and stress-free. I couldn't have asked for a better guide through this journey. I highly recommend Kristen to anyone in need of a loan officer!
Jon
Mar 03, 2025
Verified

A friend of mine who was buying a home for the first time introduced me to Kristen Smith. I have purchased properties before but my friend was very nervous and anxious about the whole process. After spending some time with Kristen my friend was very excited and started to see she could purchase a home. Kristen has always answered all questions almost immediately. It took about six weeks to find a home and close. Kristen helped make this happen in a very easy and professional manner. I highly recommend Kristen Smith to anyone interested in buying a property or a home. Everything turned out amazing!!
Kurtis
Feb 24, 2025
Flagstaff, AZ
Verified

Kristen was always quick to return my calls and answer any questions. Made the process a lot less confusing.
Kiona
Feb 03, 2025
Flagstaff, AZ
Verified

Kristen Smith was kind and patient with me. It was my first time in this situation and she answered every question and phone call with courtesy and knowledge. Thank you!
Anne
Jan 13, 2025
Flagstaff, AZ
Verified

Kristen made the whole process do ~able...she kept me calm and got us our dream house !!

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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;