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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.
Rating: 5.0 out of 5.0 from Encompass Kristen gave excellent advice and worked diligently to get us to the closing table on time and confidently. Thanks Kristen! LeiahSharpsburg, GA Jun 08
Kristen gave excellent advice and worked diligently to get us to the closing table on time and confidently. Thanks Kristen!
Rating: 5.0 out of 5.0 from Encompass Kristen's team went above and beyond for our clients! I would highly recommend them! JoshuaStockbridge, GA Jun 08
Kristen's team went above and beyond for our clients! I would highly recommend them!
Rating: 5.0 out of 5.0 from Encompass You all helped me out by explaining things to me that I didn't understand you all are like family now and I appreciate everything 🙏 💞 DebraConyers, GA Jun 06
You all helped me out by explaining things to me that I didn't understand you all are like family now and I appreciate everything 🙏 💞
Rating: 5.0 out of 5.0 from Encompass Arduous process, but got it done. Thanks a bunch ScottMonticello, GA Jun 04
Arduous process, but got it done. Thanks a bunch
Rating: 5.0 out of 5.0 from Encompass Great team to work with to make the mortgage loan process as smooth as possible. Don ErnestHiram, GA Jun 04
Great team to work with to make the mortgage loan process as smooth as possible.
Rating: 5.0 out of 5.0 from Encompass Excellent experience Kevin MichaelSharpsburg, GA Jun 03
Excellent experience
Rating: 5.0 out of 5.0 from Encompass Every question was answered promptly. Every conversation was extremely professional and full of advice! Kristen took time to get to know who I was as a person before the work actually began. I felt like I was part of a family! Joseph RyanMilner, GA Jun 03
Every question was answered promptly. Every conversation was extremely professional and full of advice! Kristen took time to get to know who I was as a person before the work actually began. I felt like I was part of a family!
Rating: 5.0 out of 5.0 from Encompass Kristen and her team We're amazing to work with through the entire experience! In fact, I recommended them to a banking desk rep that assisted me with orinting printing documents for our Ga Dream program. She mentioned she was in the market to purchase a home and I passed on Kristen's information to her. ... Vincent EStockbridge, GA Jun 02
Kristen and her team We're amazing to work with through the entire experience! In fact, I recommended them to a banking desk rep that assisted me with orinting printing documents for our Ga Dream program. She mentioned she was in the market to purchase a home and I passed on Kristen's information to her. ...
Rating: 5.0 out of 5.0 from Encompass unbeatable customer service for her agents and her clients! Grateful to have an incredible lender partner AshleyMonticello, GA May 29
unbeatable customer service for her agents and her clients! Grateful to have an incredible lender partner
Rating: 5.0 out of 5.0 from Encompass ALWAYS a great experience with Kristen and her team. Seamless!! I can always count on them to get my transactions closed in a timely fashion with no worries. LindaStockbridge, GA May 25
ALWAYS a great experience with Kristen and her team. Seamless!! I can always count on them to get my transactions closed in a timely fashion with no worries.
Rating: 5.0 out of 5.0 from Encompass Your due diligence to find the best possible rates and strategy to help me get my debt under control . JermaineMonticello, GA May 19
Your due diligence to find the best possible rates and strategy to help me get my debt under control .
Rating: 5.0 out of 5.0 from Encompass Always helpful and there to answer my questions. Thank you. Wanda Jeanne MerrifiBarnesville, GA Apr 28
Always helpful and there to answer my questions. Thank you.
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... ShelbyColumbus, GA Apr 17
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...
Rating: 5.0 out of 5.0 from write_review We recently had a contract-loan close with Kristen and her team. The team did a fantastic job keeping us informed, and the loan closed smoothly. Highly recommend. Joe Apr 13
We recently had a contract-loan close with Kristen and her team. The team did a fantastic job keeping us informed, and the loan closed smoothly. Highly recommend.
Rating: 5.0 out of 5.0 from Encompass Kristen was great, I am very computer illiterate, she made it a breeze, thank you John AndrewLocust Grove, GA Apr 06
Kristen was great, I am very computer illiterate, she made it a breeze, thank you
Rating: 5.0 out of 5.0 from Encompass Kristen and her team made the process so easy! We highly recommend her! thank you! Dawn MichelleLocust Grove, GA Apr 06
Kristen and her team made the process so easy! We highly recommend her! thank you!
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. DavidConyers, GA Mar 13
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.
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. Lynne MBarnesville, GA Mar 12
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.
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. Maricus LamontRiverdale, GA Mar 09
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.
Rating: 5.0 out of 5.0 from Encompass made it great was communication throughout my first time by Kristen was great she kept me informed was great James HCulloden, GA Feb 11
made it great was communication throughout my first time by Kristen was great she kept me informed was great
Rating: 5.0 out of 5.0 from Encompass Always my "go to" lender!! Team has proven to rescue loans that no one else can and we don't worry about the process or whether it will close. LindaCulloden, GA Feb 09
Always my "go to" lender!! Team has proven to rescue loans that no one else can and we don't worry about the process or whether it will close.
Rating: 4.5 out of 5.0 from Encompass Great people to work with! BradBarnesville, GA Jan 23
Great people to work with!
Rating: 5.0 out of 5.0 from Encompass The team was Very Knowledgeable and Very Helpful in getting me Approved and through the loan process !!! Thank You Very Much!!! KwabenaJackson, GA Jan 12
The team was Very Knowledgeable and Very Helpful in getting me Approved and through the loan process !!! Thank You Very Much!!!
Rating: 5.0 out of 5.0 from Encompass Kristen made it great. When we struggled, she stood with us and helped at every opportunity. CaseyThomaston, GA Jan 08
Kristen made it great. When we struggled, she stood with us and helped at every opportunity.
Rating: 5.0 out of 5.0 from Encompass Kristen was amazing to work with! She saved a deal that was about to fall apart. Her sense of urgency, communication and efficiency led to a closed transaction in only 9 business days!! AllisonJackson, GA Jan 05
Kristen was amazing to work with! She saved a deal that was about to fall apart. Her sense of urgency, communication and efficiency led to a closed transaction in only 9 business days!!