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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
Shira I
May 23, 2025
Verified

I got confused on the timing of a few things, but Kristen was able to explain to me the timeline and where different portions of the money went and when. It took a lot of stress off not worrying so much about the unknown of closing costs.
Melanie
May 19, 2025
Flagstaff, AZ
Verified

Kristen is fantastic, she knows her information very well and makes the transaction a breeze
Ksenia H
May 19, 2025
Verified

Kristen was very proactive at assuring a fast-paced escrow with a VA loan closes on-time! All updates and key steps were clearly communicated giving both buyers, sellers and agents confidence in the process. Thank you, Kristen with your professionalism and attention to detail!
Griffin K
May 19, 2025
Verified

Excellent experience with Guild mortgage. Kristen and team are highly recommended. They listened to our needs and guided us through our home purchase.
Carly
May 19, 2025
Williams, AZ
Verified

Kristen and her team were the highlight of our entire moving buying/selling experience on both ends of our move. She always kept us informed, all of the processes were exceedingly transparent, and the system (portal) used by Guild is efficient and easy to operate. Her team and title team took care of absolutely everything from start to finish. This was a model experience. Thank you so much!
Holly
May 19, 2025
Williams, AZ
Verified

Kristen is the epitome of a top tier Loan Officer. She is always 2 steps ahead, making every transaction with her incredibly smooth and easy. The clients are never left guessing what's to come or what they need to do. Kristen's people skills are wonderful, she's just so easy to talk to.

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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;