Kristen M Smith

Mortgage Loan Officer
NMLS # 1993938
State Lic CO #100518855, AZ #LO-1010697, CA #CA-DFPI1993938
Kristen M_Smith_637343083839154563


2076 South Woodlands Village Blvd
Suite 201
Flagstaff, AZ 86001

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It is all about you! I want you to have the best lending experience of your life! Whether you are a first time home buyer, buying your second home, or if this is an investment property, I want to make it a wonderful process! After a career in the medical field, I got into lending and love to use my bedside manner when doing your loan. This means that I will always talk you through the process in a way that you can understand, not all those fancy terms! I will be available to answer any questions for you 7 days a week and evenings! I understand that you are busy and sometimes the best time to go over your loan is after work or on the weekend.

Please reach out to me to go over any lending needs! I look forward to hearing from you!

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How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


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This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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