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Proudly serving clients across Georgia, Alabama, Arkansas, Florida and Washington.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Working with Kristen Morgan and her lending team was an absolutely fantastic experience from start to finish. As a real estate professional, having a lender you can trust makes all the difference—and Kristen truly exceeded expectations. She and her team were incredibly responsive, knowledgeable, and proactive throughout the entire process. They k... Shelby Columbus, GA April 07 Rating: 5.0 out of 5.0 from Encompass
Working with Kristen Morgan and her lending team was an absolutely fantastic experience from start to finish. As a real estate professional, having a lender you can trust makes all the difference—and Kristen truly exceeded expectations. She and her team were incredibly responsive, knowledgeable, and proactive throughout the entire process. They k...
Kristen was great, I am very computer illiterate, she made it a breeze, thank you John Andrew Locust Grove, GA April 06 Rating: 5.0 out of 5.0 from Encompass
Kristen was great, I am very computer illiterate, she made it a breeze, thank you
Kristen and her team made the process so easy! We highly recommend her! thank you! Dawn Michelle Locust Grove, GA April 06 Rating: 5.0 out of 5.0 from Encompass
Kristen and her team made the process so easy! We highly recommend her! thank you!
The overall service and attentiveness thag was provided was great. They were extremely helpful and understanding and took the time out to explain things that confused me as a first time home owner. David Conyers, GA March 13 Rating: 5.0 out of 5.0 from Encompass
The overall service and attentiveness thag was provided was great. They were extremely helpful and understanding and took the time out to explain things that confused me as a first time home owner.
So very fast. Kristen had so much confidence when I told her what I needed for to fix my house. She fought for me. So nice to have people that care about tje people that are helping you. Others (usaa for one) were so negative and said I would never be able to do what I need. Kristen was on it from the start. Lynne M Barnesville, GA March 12 Rating: 5.0 out of 5.0 from Encompass
So very fast. Kristen had so much confidence when I told her what I needed for to fix my house. She fought for me. So nice to have people that care about tje people that are helping you. Others (usaa for one) were so negative and said I would never be able to do what I need. Kristen was on it from the start.
Just the way you all handle everything for us. It made our job easier. You all gave us an estimate time when everything would be completed and it was so that's again. You all are very professional and done a great job. Maricus Lamont Riverdale, GA March 09 Rating: 5.0 out of 5.0 from Encompass
Just the way you all handle everything for us. It made our job easier. You all gave us an estimate time when everything would be completed and it was so that's again. You all are very professional and done a great job.
On 04/30/2026 at 2:30 pm
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