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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.

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Meet my team

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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.

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Testimonials

Testimonials
4.95 out of 5.0 stars
4.92
4.98
Geneva
Aug 09, 2025
Vacaville, CA
Verified

Their professionalism and timeliness was awesome. love their quick responses to any and all questions..
Nicole
Jul 29, 2025
Vacaville, CA
Verified

Thanks Kristina! Fantastic, as always!
Chloe C
Jul 25, 2025
Verified

The Bailey Team was great to work! Couldn't have asked for a more flawless closing :)
Pamela P
Jul 08, 2025
Verified

Kristina was always on top of things, available and responsive to questions along the way, and kept us informed where we were in the process.
Sarah
Jul 03, 2025
Cotati, CA
Verified

I felt extremely supported throughout the process of buying my home. All the members of the team helped me understand everything I needed to to make the best decisions for myself.
Donna Wren B
Jul 02, 2025
Verified

Kristina Bailey's knowledge, professionalism, customer service went above and beyond. I don't normally write reviews but I was well taken care of and would definitely recommend her in a face to face conversation so why not in the land of Google!

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Awards

Scotsman Guide Award

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;