Kristen Smith

Loan Officer
NMLS # 1705672
State Lic AZ #LO-0947923

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Home Mortgage Tools


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.


How much mortgage might I qualify for?

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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Kristen is absolutely amazing! She is extremely attentive and has a friendly and approachable personality. I am a first time home buyer and had questions along the way. Kristen is patient and provides prompt responses to anything I request. Also, as she learned who I was individually, she swiftly anticipated my needs and went the extra mile. Her positivity and confidence display in every interaction. Thank you Kristen!

—Tiffany Christmas

I enjoyed working with everybody at Academy

—Mindy Meyersick

Loan experience was great. Academy Mortgage worked very hard to earn the business and they have one happy customer!

—Debbie Broderick

Awesome. Everything was awesome....your part of a team.... Worked with Kristen Smith , Sarah Becker, Angie Curry Loan Officer | NMLS# 1705672

—Robert Bastian

If you want some to seriously go above and before you, Kristen and Sara will do it

—Bryce Whitehead