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Kristina Bailey

Branch Manager

2050 Peabody Road, Suite 100, Vacaville, CA 95687
Own what matters

About Me

I’ve been in the mortgage business for over 20yrs and I absolutely love what I do! I am super passionate about helping people realize the dream of homeownership. I love to educate my clients on the many ways to maximize their mortgage or find affordability when going into a new mortgage. I will guide and explain each step of the process, so you feel comfortable and confident about this big financial decision. It is important to me that buyers know all their options including down payment assistance or unique loan programs that may fit their needs. You can count on me to be creative and work hard at finding solutions for all your mortgage needs.  

I communicate well and will keep everyone informed throughout the process. I know what it takes to get a loan completed efficiently in this fast-changing market. I am consistently ready to close early so my buyers and referral partners know what to expect and can rely on consistent results. This has allowed me to grow a strong reputation in my community and surrounding communities as well. Communication is a top priority.

A little about me.... I've lived in Vacaville for over 18 years and have raised my 2 children here. My favorite past time activity is watching my kids play their sports and spending time outside with my dogs. On my free time, I enjoy being outdoors exploring new beaches or camping spots.

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.

Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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4.99 out of 5.0 stars
Deana A
Sep 19, 2023

Guild Mortgage has been such a positive experience for my business. Accommodating preapprovals for my clients and great communication during escrows really helps make this job more enjoyable. Kristina Bailey is honest and has been able to get some of my clients better deals than other lenders out there! She's got a good team too. Highly recommend!
Sep 11, 2023

Good communication before and during escrow and successful closings.
Michael M
Sep 19, 2023

Fantastic to work with! Kristina and her team took great care of the clients and made this very easy to complete. Thank you!
Sep 18, 2023

Kristina and her team are FANTASTIC! They were able to save a deal that fell apart. Their communication was very thorough and timely. Thank you to the Guild team!
Sep 15, 2023

Kristina is the quintessential professional and experienced lender. She keeps her clients and real estate agents that are involved in the transaction updated at all times as she competently pushes things toward victory. Thanks for doing a fantastic job!!
Sep 14, 2023

As a Realtor, I can't say enough about Kristina and her team. In my 25+ years of doing this, I would say the transaction she just represented my Buyers on was the most challenging ever and she came thru it with flying colors. Got the job done when the previous lender could not. Not only that, but she did it in record time. If I could give 10 stars to Kristina and her team, I would, as she is so deserving of it! If you are looking for an all-star lender, Kristina is the one to go too for sure!

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NMLS ID #448590
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;