Kristi France - Loan Originator

Kristi France - Loan Originator Loan Originator
NMLS # 202902
Company NMLS # 2273319
[email protected] Georgia Residential Mortgage Licensee
www.nmlsconsumeraccess.org

I have been in the mortgage business for over 20 years and I thoroughly enjoy helping my borrowers navigate the process of buying or refinancing a home. You can be assured that I will work diligently to make sure that you get the most appropriate mortgage for your financial goals and needs. I pride myself in communicating with you promptly and efficiently and will keep you in the loop on your loan

process the entire time. Buying or refinancing a home is the biggest financial transaction that most people will ever complete so you should have a trusted adviser on your side! I can help you make important decisions that can greatly affect your future financial health. My business philosophy is simple… I follow the Golden Rule and treat my clients the way I would want to be treated. Currently licensed in:
Texas Lic/Reg #: 202902

Zenith Home Loans
NMLS: #1818094
Equal Housing Opportunity
https://www.sml.texas.gov/
In California: holds a Financing Law License ( #6030119) [Loans made or arranged pursuant to a California Financing Law license]; Real Estate Broker, CA Department of Real Estate; is licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

The mortgage process takes time and follows several steps:• Pre-approval• Home search• Offer accepted• Underwriting• Clo...
06/17/2026

The mortgage process takes time and follows several steps:

• Pre-approval
• Home search
• Offer accepted
• Underwriting
• Closing

Delays can happen due to missing documents, credit changes, or appraisal issues. Preparation helps keep everything moving smoothly.

In competitive markets, sellers prioritize buyers who are already pre-approved. Without it, you may lose out even if you...
06/15/2026

In competitive markets, sellers prioritize buyers who are already pre-approved. Without it, you may lose out even if your offer is strong.

Being ready before you shop gives you a real advantage.

Your buying power depends on income, debt, credit score, and current interest rates. Many buyers are surprised when they...
06/10/2026

Your buying power depends on income, debt, credit score, and current interest rates. Many buyers are surprised when they learn their real approval range.

Knowing your numbers early helps you shop smarter and avoid wasted time.

These two are not always the same. A lower interest rate doesn’t always mean a lower monthly payment, and loan structure...
06/05/2026

These two are not always the same. A lower interest rate doesn’t always mean a lower monthly payment, and loan structure can change your affordability more than you think.

The key is choosing what fits your long-term financial comfort, not just the headline number.

Many buyers think approval is only about how much they earn, but lenders look at the full financial picture.Your credit ...
06/01/2026

Many buyers think approval is only about how much they earn, but lenders look at the full financial picture.

Your credit profile, debt levels, savings, and timing all play a role. With the right preparation strategy, approval becomes much smoother and stronger.

It’s easy to assume rates are random—but lenders look at specific factors.Credit profile, debt ratio, down payment, and ...
05/29/2026

It’s easy to assume rates are random—but lenders look at specific factors.

Credit profile, debt ratio, down payment, and even loan type can change what rate you’re offered.

Two people, same market… completely different outcomes.

Delays usually don’t happen because of one big issue… but a few small ones.Missing paperwork, inconsistent income record...
05/27/2026

Delays usually don’t happen because of one big issue… but a few small ones.

Missing paperwork, inconsistent income records, or last-minute financial changes can slow everything down.

Preparation = smoother approval process.

Honoring the brave. Remembering the fallenToday, we pause to honor and remember the heroes who made the ultimate sacrifi...
05/25/2026

Honoring the brave. Remembering the fallen
Today, we pause to honor and remember the heroes who made the ultimate sacrifice for our freedom. Their courage and dedication will never be forgotten.
Take a moment this Memorial Day to reflect and give thanks 💙

Be honest… are you just browsing, or actually getting ready?Most people think they’re closer than they are—but a quick f...
05/22/2026

Be honest… are you just browsing, or actually getting ready?

Most people think they’re closer than they are—but a quick financial check often reveals the real picture.

Pre-approval, pre-qualification, rate holds, conditions… it starts to feel like a different language.But once you unders...
05/20/2026

Pre-approval, pre-qualification, rate holds, conditions… it starts to feel like a different language.

But once you understand what each step actually means, the whole process becomes much clearer.

Address

1050 Wilshire Drive Suite 300
Cerritos, CA
48084

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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