She's supposed to change your life.

YOUR LOAN OFFICER ISN'T SUPPOSED TO

JUST CLOSE LOANS.

 Kristina Stark Home Loans

$2M closed in a single month — fastest in company history
Highest conversion rate in the company
"Drive" Award winner
Only loan officer to receive company leads
26 years combined experience
9 states licensed
$2M closed in a single month — fastest in company history
Highest conversion rate in the company
"Drive" Award winner
Only loan officer to receive company leads
26 years combined experience
9 states licensed

I don't do "no." I find the path, build the plan, and get you there — whether you're buying your first home, growing your portfolio, or partnering with someone who will outwork every lender in the room.

I'm Kristina Stark. I don't do cookie-cutter.

For Homebuyers

You deserve a loan officer who never stops working for you. I'll find the loan, explain every option, and walk you through every step — without the pressure.

ONE LOAN OFFICER. ENDLESS POSSIBILITIES.

Licensed in 9 states

Wherever your clients are buying, I'm licensed and ready.

OR · ID · UT · CA · AK · CO · TX · FL · NM


Fast answers. Same-day client reach out. Solutions when other lenders say no. I make you look good — every single time.

For REaltors

IF THE ROAD ENDS,
I KICK IT INTO

4-WHEEL DRIVE.

I was a stay-at-home mom for 17 years. Then I lost 100 pounds, survived a divorce, built a training business from scratch, and pivoted into mortgage lending — all while raising six kids. Within my first year I hit $2 million in a single month. That's not luck. That's the same relentless energy I bring to every single client I work with.

I know what it feels like to want something and not know how to get there. Let me be the person who figures it out with you.


read my full story →

IF THE ROAD ENDS,
I KICK IT INTO

4-WHEEL DRIVE.

I was a stay-at-home mom for 17 years. Then I lost 100 pounds, survived a divorce, built a training business from scratch, and pivoted into mortgage lending — all while raising six kids. Within my first year I hit $2 million in a single month. That's not luck. That's the same relentless energy I bring to every single client I work with.

I know what it feels like to want something and not know how to get there. Let me be the person who figures it out with you.


read my full story →

From first-time buyers to self-employed borrowers, investors, and everything in between — I offer loan solutions most lenders don't even know exist.

WHEN TRADITIONAL LENDERS SAY NO —
          wE FIND                            

ANOTHER WAY.

Loan solutions

Traditional

Conventional & FHA

The foundation. Competitive rates, proven programs, and a loan officer who makes the process feel simple.

Self-Employed

Bank Statement Loans

Qualify with 12–24 months of bank statements. Up to $3M. Credit scores as low as 620.

Investors

DSCR Loans

Qualify based on property cash flow, not personal income. Non-owner-occupied, 1–4 units.

No SSN Required

ITIN Loans

5% down. No Social Security Number required. 680 credit score. Self-employed eligible.

Transitional

Bridge Loans

Buy your next home before selling your current one. Use existing equity to make it happen.

Up to 100% LTV

Professional Loans

Up to 100% financing. $250K–$1.25M. Fast approvals for qualified professionals.

Traditional

Conventional & FHA

The foundation. Competitive rates, proven programs, and a loan officer who makes the process feel simple.

Self-Employed

Bank Statement Loans

Qualify with 12–24 months of bank statements. Up to $3M. Credit scores as low as 620.

Investors

DSCR Loans

Qualify based on property cash flow, not personal income. Non-owner-occupied, 1–4 units.

No SSN Required

ITIN Loans

5% down. No Social Security Number required. 680 credit score. Self-employed eligible.

Transitional

Bridge Loans

Buy your next home before selling your current one. Use existing equity to make it happen.

Up to 100% LTV

Professional Loans

Up to 100% financing. $250K–$1.25M. Fast approvals for qualified professionals.

Specialty

Condo-Hotel Financing & 10-Day Close

Condo-hotel financing for properties most lenders decline. Plus our Security Plus Approval — full underwriter review, only subject to appraisal. Close in as few as 10 days.

Run the numbers right here. Then let's talk — because your real number depends on your unique situation, and that's exactly what I'm here for.

Curious what you 

Qualify for?

mortgage calculator

Estimated Monthly Payment
$2,275
Loan Amount$360,000
Down Payment$90,000 (20%)
Total Interest Paid$458,916
Total Cost$818,916

Get Your Personalized Numbers

These numbers are estimates. Contact Kristina for accurate figures specific to your situation.

Estimated Monthly Payment
$2,275
Loan Amount$360,000
Down Payment$90,000 (20%)
Total Interest$458,916
Total Cost$818,916

Get Your Personalized Numbers

These numbers are estimates. Contact Kristina for accurate figures specific to your situation.

You need a lending partner who picks up the phone, reaches out to your clients the same day, and never lets a deal die because of a financing problem. That's not a wish list. That's my standard.


REALTORS — LET'S BUILD

SOMETHING TOGETHER.

For Real Estate Professionals

One loan officer. Nine states. Zero excuses.

◆  Same-day reach out to every referred client
◆  Weekly touchpoints throughout the entire process
◆  7-touch follow-up system — no lead falls through
◆  Solutions when other lenders say no
◆  Specialty loans most lenders can't offer
◆  10-day close with Security Plus Approval
◆  Licensed in 9 states — wherever your clients buy

Whether you're buying a home, sending me a client, or just figuring out where to start — I'm here. Let's build your next chapter together.

REady to 

grow?

Call or Text: 801-635-9537

Send

contact Kristina!

Thank you!

Your message has been sent. We'll contact you shortly