Kristen Johnson brings more than twenty five years of experience in the financial services industry, including over fifteen years dedicated to mortgage lending. She is known for her education-first approach and her commitment to guiding clients through a smooth, positive, and well-informed mortgage experience. Kristen focuses on understanding each client’s goals and delivering honest, competitive, and reliable solutions designed to support long-term relationships.

Kristen offers tailored lending strategies across a wide range of loan programs, assisting first-time buyers, seasoned investors, and clients seeking to refinance. Originally from Southern California, she holds a degree in Business Management from California State University, Long Beach. She also spent several years living and working in Colorado, where she remains a licensed lender and continues to serve clients throughout the state. Now based in Santa Rosa Beach, Florida, Kristen supports borrowers across multiple markets with clarity, consistency, and a strong dedication to helping them achieve lasting homeownership success.