Contact Me
hero image
Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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.

Read Blog

Meet my team

Team Logo

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.

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.

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.94 out of 5.0 stars
4.91
5.0
Brennon
Apr 07, 2025
Fairfield, CA
Verified

From the beginning, Kristina and her team were responsive, thorough and efficient. They kept us informed of exactly what was needed and what was happening behind the scenes. Documents were issued timely to us and I know that they worked diligently behind the scenes to ensure we closed on time and without issue. We could not have asked for a better lender!
Deanna
Apr 07, 2025
Fairfield, CA
Verified

Kristina Bailey is very knowledgable about all things finance, has a calm and reassuring style with all involved in the transaction, is solution driven and creative throughout the process, and I feel confident that she can get my clients across the finish line to home ownership. Great Lender!
Michael
Mar 24, 2025
Fairfield, CA
Verified

Kristina and her team are fantastic to work with! Their communication is always above board. Kristina and her team are true problem solvers. When something comes up, they are proactive to resolve issues quickly and with a satisfactory result. Thank you!
Parmeeta
Mar 10, 2025
Cotati, CA
Verified

appreciated the speed of service and willingness to make these transaction a smooth one for all parties.
Jacqueline
Mar 10, 2025
Cotati, CA
Verified

Another client helped between Kristina and me! Looking forward to many more in the future!
Brian
Nov 26, 2024
Fairfield, CA
Verified

The experience with Kristina, has been nothing but wonderful to work with. Thank you, have a blessed and happy holiday.

Video gallery

View More

Awards

Causes & Memberships

member of Guild Giving
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;