Kristen Walther-Merkins

Your Trusted Partner for Clear, Confident Lending Solutions

Helping first-time buyers, investors, and families secure the right loan with ease and confidence. With years of experience as a Sr. Loan Officer, Kristen Walther-Merkins specializes in personalized lending solutions, from first-time homebuyers to seasoned investors. She’s dedicated to guiding clients step-by-step through the mortgage process.

Find the Right Loan for Your Home Goals

From first-time buyers to seasoned investors, Kristen offers personalized lending solutions designed to fit your needs and financial goals.

Home Purchase

Make your dream home a reality.
Whether it’s your first home, second property, or an investment, Kristen helps you secure the right financing with confidence and clarity.

Refinance

Refresh your mortgage and save more.
Lower your rate, shorten your term, or tap into your home’s equity with refinancing options tailored to your goals.

Construction

Build or improve with confidence.
From ground-up construction to home makeovers, access flexible FHA, VA, and Conventional loans designed for every stage of your project.

Government Loans

Smart solutions with flexible benefits.
FHA, VA, and USDA loans offer competitive rates and lower down payments to help more buyers qualify for homeownership.

Jumbo Loans

Lending for homes of every size.
Whether you’re financing a luxury property or a traditional home, Kristen matches you with the right loan structure and rate.

Downpayment Assistance

More options to get you home sooner.
Explore local and statewide programs that make it easier to cover down payments and closing costs.

Reviews

"This was my first experience in this area and I heard stories from others about their experiences with the process but, with Kristin and her team, it was straightforward with plenty of assistance along the way. Thank you!"

"As a realtor, working with Kristen was a great experience. She’s professional, responsive, and kept the process smooth and stress-free for everyone involved. I’d happily recommend her to any buyer or agent!"

"Kristen was on top of all aspects of our loan application and process she kept us informed and was easy to reach with questions along the way."

"Kristen was really great to work with. She provided prompt responses to questions and explained the process well. She was very helpful and I really felt like she was on my side."

"The speedy timing on paperwork helped us beat other offers on the house we wanted. The personalized service was a plus for an amazing experience from start to finish. Kristen took the time to explain any thing we had questions on regardless of how crazy the question was."

"Kristen always puts our best interests first and goes above and beyond to provide the best service and experience. She has been our loan officer for over 10 years for all of our home purchases and refinances And has served multiple of our friends and family as well."

"Kristen is wonderful! She's helped me close a few deals, and she's always on top of things. She's responsive and makes the whole process smooth. I'd definitely recommend her to anyone looking for a great loan officer."

"Kristen was absolutely a pleasure to work with! As first time home buyers we received an incredible amount of support and guidance. I could not have asked for a better team!"

SR. Loan Officer | NMLS# 231119