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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
Karrie
Jun 06, 2025
Verified

It was a pleasure working with you! Thank you for your tenacious work and for making everything happen so quickly! You are professional, reliable, and easy to work with! If I encounter anyone in Flagstaff looking for a home loan, I will refer them to you! If rates go down enough, and I choose to refi, I will contact you exclusively :)
Angela
May 27, 2025
Bellemont, AZ
Verified

Kristen and her team did a great job of communicating! Thank you for an easy escrow!
Ireland
May 19, 2025
Williams, AZ
Verified

Kristen was great to work with and made buying our first home amazing !
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!

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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;