Kristina Beth Fischer
Loan Officer
At Universal Lending Home Loans we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinanci...... Show More
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Kristina was extremely helpful in advising us along the way with our home loan. She was willing to answer any questions we had throughout. She was friendly and professional.
The regular communication from her and her team. The availability and the directness of what was needed and when. I had to do less thinking, which allowed for this to all go very well.
We were first time homebuyers and Kristina quickly answered all of our questions and did a great job at explaining things in simple terms so we could understand them.
This was my first homebuying experience and Kristina (and her team) kept me on pace all the way through. She made sure I understood the numbers and terminology making it a great educational experience as well as exciting homebuying journey....
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Reply from Kristina Beth Fischer
May 12th, 2026 02:34 PM
I'm glad to hear that your first homebuying experience was both educational and exciting, Olivia. It was my pleasure to ensure you understood the numbers and terminology throughout the process. If you have any further questions or need assistance...
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Kristina was always available, prompt with answers, deftly shuffled our finances and easy-going steady when things changed or got difficult. Outstanding advisor!
Reply from Kristina Beth Fischer
April 20th, 2026 04:22 PM
Thank you for your kind words, Kelly. I'm pleased to know that my availability and steady support made a positive impact on your experience. If you ever need further assistance, I'm here to help.
I had a very positive experience working with Kristina as my loan officer. She did an excellent job preparing and clearly explaining all the options available to me, and she was very helpful in running different scenarios so I could make informed...
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Reply from Kristina Beth Fischer
April 16th, 2026 05:33 PM
I'm happy to hear that your experience with me was positive, Jaime. Preparing and explaining your options clearly, while ensuring a smooth process, is always a priority for me. Your kind words about my professionalism and attention to detail...
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Kristina took plenty of time to explain all the loan options and what we could do to get the best loan for our situation and the current market.
Reply from Kristina Beth Fischer
April 10th, 2026 03:33 PM
It's great to know that the time spent discussing your loan options was valuable to you, Nathan. Helping you find the best fit for your needs and the current market conditions is a priority for me. If you have any more questions or need further...
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Very helpful
Reply from Kristina Beth Fischer
March 30th, 2026 06:30 PM
I'm pleased to hear that you found my assistance helpful, Lois. If there's anything more I can do for you, please feel free to reach out. Thank you for your feedback!
Kristina made sure I understood all aspects of my loan while also empowering me to choose what works best for me
Reply from Kristina Beth Fischer
March 30th, 2026 06:46 PM
I'm glad to hear that I was able to provide clarity and support for your loan process, Allison. Empowering you to make informed decisions is always my aim. If you have any further questions or need assistance, please don't hesitate to get in...
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About
At Universal Lending Home Loans we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Universal Lending Home Loans offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
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Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.