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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 Oregon since 2006 and have been drawn to the Pacific Northwest since I was in my youth. I love all things about the mountains. Most often, you’ll find me rock climbing at my home crag of Smith Rock. However, I’ve been known to travel the world to experience different climbing destinations. I also love to trail run, ski and hike. I’m a true lover of spicy foods and have the nickname: Chili Pepper. My favorite rest day activity is trying a new recipe in the kitchen and wowing my family and friends with delicious foods. I’ll (typically) let them add in their own spice.  

As a mortgage lender since 2007, one of my biggest compliments surrounding my work is my level of communication. In the beginning, I’ll explain how the process works and help you understand all the programs that you can choose from. If you’ve got a tricky scenario, then I’ll figure it out. I love a good brain twister. When I submit your loan, I’ll keep you (and your realtor) up to date throughout the process. I’ll set timely expectations along the way so that we won’t miss important timelines. I enjoy offering the possibility of closing early because the loan process has been so efficient. I love to hear from my first-time homebuyers, “You made a seemingly difficult process easy.”  I’m excited to earn your trust and help you find your dream home! I’ve got you covered whether that be a new primary residence, a second home, or an investment property. 

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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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Jumbo

Jumbo

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.

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
4.97
5.0
Michael
Jul 29, 2025
Bend, OR
Verified

Kristen was great!
Chelsea
Aug 06, 2025
Portland, OR
Verified

Kristen was so great to work with! She is very educated and made sure I felt really comfortable with all the information provided throughout the process. Would 11/10 recommend !
Madilyn
Aug 05, 2025
Portland, OR
Verified

Kristen walked us through every single step. As first time home buyers who utilized a complicated strategy to get into a home, we often felt overwhelmed by all we didn't know. Those feelings were always placated by a quick "check with Kristen". She's phenomenal at her job and we really felt like she cared about us as humans, never as numbers. We would recommend her to anyone!
Josh A
Aug 01, 2025
Verified

Kristen was an awesome resource throughout the entire intimidating home buying procress. Not only was she able to expedite our process down to 22 days (which was one of the keys points in making our offer stand out amoung the other competing offers) but she was always so patient in explaining all the steps of the home buying journey so we really comprehended it. We will definitely be using Kristen for all of our future real estate deals. Thank you Kirsten for making our first home such a seamless and low stress process!
Molly A
Jul 31, 2025
Verified

Kristen made the process of buying our first home as smooth as we could have asked for! She was responsive, communicative, and always explained things for us in a manner we would understand. Not to mention, ensuring we closed on a very tight timeline. Thank you for everything, Kristen!
Leah
Jul 01, 2025
Portland, OR
Verified

Kristen was great with communication and has the best client care.Kristen makes sure to inform the client of all their loan options. She also made sure to follow up everystep of the way during the transaction and ensure the client knew the next step. I look forward to working with Kristen in the future. Thank you for your hard work!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #475717
I am authorized to do business in the states of California, Idaho, Nevada, Oregon and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141; OR ML-176;