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Business Page


business profile image

Kristen Loans powered by NEXA Mortgage LLC

Lender
5.0 stars
6 Reviews

Markets served


Alabama
Arizona
California
Colorado
Connecticut
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kentucky
Michigan
Montana
Nevada
New Jersey
North Carolina
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
Nationwide

Except the following states:

Massachusetts
New York

Licenses


Company NMLS
#2189887
Additional info available at the NMLS consumer access website

Additional Licenses & Information

Personal NMLS #2189887 
Corporate NMLS #1660690

More ways to connect


(213) 880-0434

About us


Based in Phoenix and licensed in nearly all 50 states, I specialize in investor-focused loans including DSCR, Bank Statement, and creative financing strategies. As a real estate investor myself, I know firsthand how crucial the right financing can be. Whether you’re scaling your portfolio or buying your first property, I bring hands-on experience, clear (and quick!) communication, and a commitment to getting deals funded.  

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
FHA

Hard/Private/Non-QM

Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Refinance (investment)

Reviews (6)


5.0 stars
6 Reviews
5.0 stars
6 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
a year ago
Kristen is a consummate professional. This was my first DSCR loan, and she made the application process easy and answered all my questions promptly, often via both text message and email; I felt informed and confident throughout the process. She stayed on top of things so that the loan closed in time. There was one small glitch and she handled it quickly and professionally. I highly recommend Kristen for DSCR loans and whatever mortgage products she offers.
reviewer image
5.0 stars
|
a year ago
Reviewed by Julia zaleski
Best loan officer I have ever worked with, hands down. She responded promptly to all my questions, was extremely helpful and had so much patience whenever we were checking in on the loan status or looking for updates. Past house closings with other companies have been 100% stressful. Kristen made is so easy, I can't wait to do it again!
reviewer image
5.0 stars
|
a year ago
Reviewed by Jen De La Rosa
Kristen’s insight into loans and purchasing a home was invaluable in my decision making process. She goes above and beyond to provide options that I feel other officers wouldn’t because they aren’t easy, and was extremely upfront and honest the whole time. I wouldn’t trust anyone else to do a loan with!
reviewer image
5.0 stars
|
a year ago
Reviewed by Priscilla Blake
I’ve used Kristen on numerous deals and she has always been super responsive, organized and knowledgeable. She definitely earned my business and will continue to be my first call!
reviewer image
5.0 stars
|
a year ago
Reviewed by Shay Walker
Kristen is someone who'd I look forward to planning projects and financing with, she is not someone who'll just check boxes- she invents new ones. She is a pleasure to work with and understands that not every situation fits into the "standard" financing playbook. She's creative and I wish others in the business world were more flexible like herself. Thank you Kristen!
reviewer image
5.0 stars
|
a year ago
Reviewed by alena beecher
Very quick responsive and solution based lender! I’ve used Kristen on a few investment loans. She has always been quick to answer my questions and also offer her opinion and solutions. I definitely recommend her services!
reviewer image
5.0 stars
|
a year ago
Kristen is a consummate professional. This was my first DSCR loan, and she made the application process easy and answered all my questions promptly, often via both text message and email; I felt informed and confident throughout the process. She stayed on top of things so that the loan closed in time. There was one small glitch and she handled it quickly and professionally. I highly recommend Kristen for DSCR loans and whatever mortgage products she offers.
reviewer image
5.0 stars
|
a year ago
Reviewed by Julia zaleski
Best loan officer I have ever worked with, hands down. She responded promptly to all my questions, was extremely helpful and had so much patience whenever we were checking in on the loan status or looking for updates. Past house closings with other companies have been 100% stressful. Kristen made is so easy, I can't wait to do it again!
reviewer image
5.0 stars
|
a year ago
Reviewed by Jen De La Rosa
Kristen’s insight into loans and purchasing a home was invaluable in my decision making process. She goes above and beyond to provide options that I feel other officers wouldn’t because they aren’t easy, and was extremely upfront and honest the whole time. I wouldn’t trust anyone else to do a loan with!
reviewer image
5.0 stars
|
a year ago
Reviewed by Priscilla Blake
I’ve used Kristen on numerous deals and she has always been super responsive, organized and knowledgeable. She definitely earned my business and will continue to be my first call!
reviewer image
5.0 stars
|
a year ago
Reviewed by Shay Walker
Kristen is someone who'd I look forward to planning projects and financing with, she is not someone who'll just check boxes- she invents new ones. She is a pleasure to work with and understands that not every situation fits into the "standard" financing playbook. She's creative and I wish others in the business world were more flexible like herself. Thank you Kristen!
reviewer image
5.0 stars
|
a year ago
Reviewed by alena beecher
Very quick responsive and solution based lender! I’ve used Kristen on a few investment loans. She has always been quick to answer my questions and also offer her opinion and solutions. I definitely recommend her services!

Our Team


Kristen L Garner