Kristen Smith at CrossCountry Mortgage
Originating Branch Manager | NMLS #1993938
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Flagstaff, AZ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner conside... Show More
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Kristen and her team were great. Very responsive and explained home buying to us first-timers. So thankful for them!
Reply from Kristen Smith at CrossCountry Mortg...
August 12th, 2026 09:49 PM
Taylor, I appreciate your kind words and I'm glad to hear that you found the process helpful. Being responsive and providing clear explanations are key aspects of my approach, especially for first-time homebuyers. It's rewarding to know we...
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Kristen is the absolute best! She is a great communicator, very knowledgeable and thorough, and she made the process so easy. Thank you, Kristen and your whole team too!
Reply from Kristen Smith at CrossCountry Mortg...
December 4th, 2025 02:10 AM
Thank you so much for your kind words! I’m truly grateful I had the opportunity to help you through this process and make it as easy and stress-free as possible. It was such a pleasure working with you, and I’m so glad my team and I could...
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Kristen is the most knowledgable loan officer. She always provides the highest level of client service which is why I refer her to all of my clients. I highly recommend Kristen Smith!
Reply from Kristen Smith at CrossCountry Mortg...
December 4th, 2025 02:12 AM
Lori, thank you so much for this amazing review! I’m truly grateful for your trust and referrals! They mean the world to me. Providing the highest level of service to your clients is always my top priority, and I’m so glad that commitment...
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Kristen is the most knowledgable loan officer. She always provides the highest level of client service which is why I refer her to all of my clients. I highly recommend Kristen Smith!
Reply from Kristen Smith at CrossCountry Mortg...
August 12th, 2026 09:49 PM
Thank you, Lori! I'm truly honored by your kind words and referrals. Providing excellent client service is incredibly important to me, so it means a lot to hear that it's making a positive impact. If there’s ever anything else you need or any...
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Kristen was amazing to work with. She is super organized and on top of everything. I would highly recommend her to anyone I know needed her services. It was a great experience!!
Reply from Kristen Smith at CrossCountry Mortg...
August 12th, 2026 09:49 PM
Thank you, Miriam! I'm so pleased to hear that you had such a positive experience. Being organized and attentive are important to me, and I'm glad it made a difference for you. Your willingness to recommend my services is truly appreciated....
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Working with Kristen on our Flagstaff home loan was such a great experience. She was honest, timely, and kept us in the loop every step of the way. Thanks to her hard work, we closed right on time (or faster!). Highly recommend!
Reply from Kristen Smith at CrossCountry Mortg...
December 4th, 2025 02:19 AM
Thank you so much for your kind words! I’m truly grateful I had the chance to help you with your Flagstaff home loan. Keeping you informed and making the process smooth is always my goal, so I’m thrilled to hear that it made a difference....
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A great person to deal with. every time I called she was there to answer any questions I had, even on the weekends! I highly recommend her for your mortgage needs.
Reply from Kristen Smith at CrossCountry Mortg...
December 4th, 2025 02:20 AM
Wow, thank you so much for this amazing review! I’m so grateful for your kind words and for the opportunity to help you through the process. Being available to answer your questions, even on weekends is something I’m happy to do to make things...
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Great lender and great communication throughout the process.
Kristen and her team kept in constant contactevery stepof the way.
Reply from Kristen Smith at CrossCountry Mortg...
August 12th, 2026 09:49 PM
Thank you, Tammara! I'm really pleased to know that you appreciated the consistent communication throughout the process. Staying connected at each stage is something I prioritize, so it's great to hear it made a difference for you. If there's...
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kristen Was fabulous. I cantrecoomend her and her services enough. She held our hand and was patient with us and all our questions the entire way. She made an overwhelming process as easy and stresses as possible.
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Reply from Kristen Smith at CrossCountry Mortg...
August 12th, 2026 09:49 PM
Thank you so much for your kind words! 😊 It was wonderful to work with you, and I am so glad I could help make the process feel less overwhelming. Your trust means the world to me, and I am so happy to hear you felt supported every step of...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Flagstaff, AZ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #1993938 | Branch NMLS #2900190
Products & Services
Mortgage Broker
FHA Home Loan
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Year Started
2026
Time Zone
Pacific Standard Time (PST)
Licenses
- 1993938
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095