Hello! My name is Kristen Smith. Born and raised in Flagstaff, Arizona, I feel incredibly blessed to call this beautiful mountain town home. Family is everything to me. I’m the proud mom of an amazing daughter, blessed to be a bonus mom to two wonderful daughters and am lucky to share life with my incredible boyfriend and our dog, Pancho.

In 2020, I was in the medical field when I decided to help people outside of healthcare. That led me to America’s #1 Retail Mortgage Lender, where I’m passionate about helping individuals and families achieve their homeownership goals. Whether it’s buying their first home, a second home or an investment property. I believe every client’s situation is unique. I take the time to listen, think outside the box and find solutions that fit their goals.

My goal is simple: to make home financing as smooth and stress-free as possible while treating every client like family. I provide honest guidance, clear communication and support every step of the way.