Mortgage Pro Kristin Graham

Mortgage Pro Kristin Graham I specialize in VA loans, first-time buyers, move-up & dream homes, and refinances.

Mortgage Pro Kristin Graham is a trusted San Antonio mortgage lender helping homebuyers nationwide with personalized mortgage solutions for purchases, refinances, and relocations
💛 Straight Talk + Smart Guidance to Your Next Front Door 💛 Mortgage Pro Kristin Graham is a San Antonio based team helping homebuyers nationwide with personalized mortgage solutions for purchases, refinances, and relocations. Straight Talk + Smart Guidance to Your Next Front Door

Drawing on my background as a former accountant and auditor at Ernst & Young, I bring strategic insight, clarity, and genuine care to every loan. Known for blending financial expertise with heartfelt support, I ensure buyers feel confident, prepared, and empowered—whether purchasing in Texas or anywhere in the country. From military families to move-up buyers, I am committed to making home happen with logic, heart and a plan. Mortgage Pro Kristin Graham NMLS #260576
Phone: 210.639.0984
www.MortgageProKristin.com

Being self-employed does not mean you cannot get a mortgage. It just means the process looks a little different.W-2 empl...
09/27/2026

Being self-employed does not mean you cannot get a mortgage. It just means the process looks a little different.

W-2 employees show income through pay stubs and employer verification. Self-employed borrowers typically document income through tax returns, profit and loss statements and bank records. Lenders want to see that your income is consistent and your business is stable.

One thing to know: the income lenders use may differ from what you deposited last year. Deductions on your tax return can lower the qualifying income a lender calculates. This is worth reviewing before you start house shopping.

There are also loan programs designed for self-employed borrowers, including bank statement loans that use your deposits rather than your tax returns to verify income. Those may be a fit depending on your situation.

Self-employed does not mean unqualifiable. Let's look at what documentation you have and figure out the best path for you.

Kristin Graham
Loan Originator NMLS #260576
Call or text 210.639.0984

When you introduce a buyer to me, one of the first things I do is set clear expectations about what the process actually...
09/26/2026

When you introduce a buyer to me, one of the first things I do is set clear expectations about what the process actually looks like.

That means talking through timelines, what documents we will need, what can come up during underwriting and how to protect the transaction once it is under contract. Buyers who understand the process are easier to work with, less likely to panic when something routine happens and more likely to close.

I have found that when a buyer is surprised by something that should have been expected, it creates stress for everyone involved. My job is to make sure that does not happen.

If you have buyers who are eager to move quickly but have not had this conversation yet, I would love to be that resource. I can hop on a quick call, walk them through what to expect and make sure they are set up for a smooth experience.

A confident buyer makes your job easier. That is what I am here to help with.

Kristin Graham
Loan Originator NMLS #260576
📞 210.639.0984

Happy last weekend of September, San Antonio! The city is putting on quite a show this weekend. Here's everything happen...
09/25/2026

Happy last weekend of September, San Antonio! The city is putting on quite a show this weekend. Here's everything happening:

🎷 43rd Annual Jazz'SAlive - Fri-Sat, Sept 25-26 | Civic Park at Hemisfair | Free two-day jazz festival with national headliners, local acts and family activities across two stages. Fri 4-11PM, Sat 11AM-11PM.

🍺 Oktoberfest at La Villita - Fri-Sun, Sept 25-27 | Maverick Plaza | Free German heritage celebration with live music, dancing and family activities. Fri 3-10PM, Sat 11AM-10PM, Sun 12-7PM.

🎣 Fall Family Fishing Day - Sat, Sept 26 | Brackenridge Park | 9AM-12PM | Free fishing derby for anglers 16 and under with prizes.

🚣 Rey Feo River Parade & Festival - Sat, Sept 26 | Arneson River Theatre | 7-9PM | Illuminated River Walk parade benefiting the Rey Feo Scholarship Foundation.

🎃 Zoo Boo! - Fri-Sun, Sept 25-27 | San Antonio Zoo | 9AM-5PM daily | Daytime Halloween celebration with fall decor and trick-or-treating throughout the zoo.

🌱 Pearl Farmers Market - Sat, Sept 26 | The Pearl | 9AM-1PM | Outdoor market with 50+ local vendors selling fresh produce, artisan foods and handmade goods.

🏃 Golden Harvest Half Marathon & 5K/10K - Sun, Sept 27 | Pecan Valley Dr. | 7AM start | Half marathon, 10K and 5K distances with finisher medals.

What's on your list this weekend? 🌟

If you have student loans, you may have wondered whether that rules out buying a home. In most cases, it does not.Studen...
09/25/2026

If you have student loans, you may have wondered whether that rules out buying a home. In most cases, it does not.

Student loan debt is factored into your debt-to-income ratio, which compares your monthly debt payments to your monthly income. As long as your overall ratio stays within acceptable guidelines, you may still qualify for a mortgage even with student loan balances.

Different loan programs handle student loan payments differently in their calculations. How your loans are structured, whether they are in repayment or deferment and which program you use can all affect how a lender looks at those obligations.

I have helped many borrowers work through this exact situation. The key is reviewing your full financial picture together so we know exactly where you stand before you start shopping.

Do not assume your student loans close the door. Let's look at the actual numbers.

Kristin Graham
Loan Originator NMLS #260576
Questions? Call or text 210.639.0984

Your interest rate is not just a number that appears on the news. It is personal. The rate you receive depends on a comb...
09/24/2026

Your interest rate is not just a number that appears on the news. It is personal. The rate you receive depends on a combination of factors specific to you.

Lenders look at things like your credit profile, how much you are borrowing compared to the home's value, the loan type you are using, how long the loan term is and whether you choose to pay points upfront to lower the rate. Your debt-to-income ratio, which compares what you owe monthly to what you earn, also plays a role.

The national headlines you see about rates reflect an average across a range of borrowers. Your actual rate may be higher or lower depending on your situation.

The best way to know what rate applies to you is to get preapproved. That conversation tells us a lot and puts real numbers behind the homes you are considering.

I'm here whenever you're ready to have that conversation.

Kristin Graham
Loan Originator NMLS #260576
Call or text 210.639.0984

📈 The Fed rate went up again last week and there’s already talk about what could happen next.So what does that mean if b...
09/23/2026

📈 The Fed rate went up again last week and there’s already talk about what could happen next.

So what does that mean if buying a home is part of your plan?

Maybe it’s your first home. Maybe your family needs more room. Maybe you’re relocating for work or want to be closer to the people you love. ❤️

There’s usually a bigger WHY behind buying a home. Don’t let fear over an interest rate make you lose sight of it.

Let’s put a .25% change in mortgage rate into actual dollars.

🏡 On a $350,000 home with 5% down and a 30-year fixed loan, a .25% change in rate changes the principal & interest payment by about $55/month.

Does $55 matter? Of course! But now we have something real to talk about instead of letting a headline make the decision for us.

This is why I focus on PAYMENT with my buyers.

What payment feels comfortable for your life? How much do you want to spend out of pocket? Most importantly, WHY are you buying?

Then we work backward to find the sales price range that supports your home buying goals.

Because you’re not buying an interest rate. You’re buying a home for a reason. 🏡❤️

💬 Let’s talk about your WHY, your numbers and a payment that makes sense for your life.

📱 210-639-0984
🌐 mortgageprokristin.com

PS. The Fed doesn’t set mortgage rates. A change in the Fed rate doesn’t mean mortgage rates move by the same amount.

🐾 MORTGAGE MUTTS PET OF THE WEEKMeet Ollie!This cookies and cream Labrador mix has energy to spare and a heart to match....
09/23/2026

🐾 MORTGAGE MUTTS PET OF THE WEEK

Meet Ollie!

This cookies and cream Labrador mix has energy to spare and a heart to match. SNIPSA calls him the resident fitness coach among their dogs. He is great with other dogs and loves kids who love to play. Curious, smart and always ready for the next adventure, Ollie would make the perfect walking or hiking buddy.

He is neutered and ready for his forever home.

For more information about Ollie or other animals available for adoption, please visit www.snipsa.org/pet/ollie/

📞 210-639-0984
🌐 MortgageProKristin.com

Kristin Graham | Cardinal Financial

Nobody likes surprises at the closing table. So let me walk you through closing costs before you get there.Closing costs...
09/23/2026

Nobody likes surprises at the closing table. So let me walk you through closing costs before you get there.

Closing costs are the fees you pay to finalize your home loan. They include things like loan origination fees, title insurance, government recording fees and prepaid expenses such as homeowners insurance and initial property tax deposits.

The total varies depending on your loan type, purchase price, location and the terms of your deal. Your Loan Estimate, which I'll send within three business days of applying, shows you each cost line by line.

Some closing costs are negotiable and some are not. Depending on your situation, a seller credit may help cover a portion of them. And for certain loan programs, some costs can be structured differently.

Knowing what is coming before you make an offer puts you in a stronger position.

Have questions? I'm happy to walk through what to expect.

Kristin Graham
Loan Originator NMLS #260576
📞 210.639.0984

🏡 HOMEOWNER TIP OF THE WEEKFire ants taking over the yard? Right now is actually the best window of the year to deal wit...
09/22/2026

🏡 HOMEOWNER TIP OF THE WEEK

Fire ants taking over the yard? Right now is actually the best window of the year to deal with them.

Texas A&M AgriLife recommends the Texas Two-Step:

Step 1: Broadcast a fire ant specific bait across your entire yard. The ants are actively foraging in fall weather and will carry it back to the queen.

Step 2: About a week later, treat only the individual mounds still active in high-traffic spots like the patio or play area.

Treating mounds alone without the broadcast step is only a temporary fix. The broadcast is what reaches the colonies you have not spotted yet. Apply when the ground is dry with no rain expected for about a day.

Questions about your home, your mortgage or what your home is worth today? Let’s talk.
📞 210-639-0984
🌐 MortgageProKristin.com

Kristin Graham | Cardinal Financial

A loan does not close in isolation. It closes because the people involved communicated well, followed through, and genui...
09/22/2026

A loan does not close in isolation. It closes because the people involved communicated well, followed through, and genuinely cared about the clients they were serving.
I have been originating mortgage loans since 2006. In that time, I have learned that a strong lending partnership is not just about access to loan programs. It is about answering questions promptly. It is about explaining the process clearly to a buyer who has never been through it before. It is about staying in contact when something unexpected comes up. It is about treating the people you trust me with the same care you bring to your own client relationships.
The agents I work with do not have to wonder what is happening with their buyers. They know, because I make sure they know.
If you are a real estate professional looking for a lending partner who shows up, communicates clearly, and takes the care of your clients seriously, I would genuinely welcome the chance to connect. This is the kind of work I have built my career around, and it is what I bring to every transaction.
Kristin Graham
Loan Originator NMLS #260576
Call or text 210.639.0984

Address

200 E Grayson Street Ste 210
San Antonio, TX
78215

Opening Hours

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

Telephone

+12106390984

Website

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