The mortgage process can feel intimidating and overwhelming - and sometimes the hardest part is knowing where to start. There are no silly questions here. Whether you’re wondering how to get started, confused about a step in the process, or just need some clarity, I’m here to help. Send me a note and I’ll be in touch soon.
Prefer email? You can reach me directly at kris@mortgagesbykris.com.
Have questions? Let’s connect.
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That’s where I come in. Just because one lender said no doesn’t mean it’s the end of the road. I work with a wide range of lenders who each look at things differently. Let’s take a look and find an option that works for you.
What if the bank already said no?
Banks only show you their own mortgage products. I shop around with multiple lenders to find the one that fits you best—better options, better terms, and someone actually on your side.
Why work with a mortgage broker instead of a bank?
For most people reading this—nope! I’m paid a commission by the bank or lender you choose after closing.
If you need a private mortgage, that’s different. Private lenders don’t pay commission, so there’s a fee involved—but don’t worry, we’ll talk about it upfront so there are no surprises.
Is there a fee to work with you?
It all starts with your application and a snapshot of your finances—think income, job info, assets, and debts. I’ll let you know exactly what documents are needed based on your situation (no guesswork required).
What do I need to apply for a mortgage?
Curious about something? I'm here to help!
Frequently
Asked Questions
A credit check is part of confirming your mortgage options - quick, standard, and not a score-killer. It helps us see your full picture, spot any errors, and give real advice.
Just exploring? My Mortgage Toolbox App lets you run scenarios without a credit check. (Just note—it’s not a pre-approval.)
Do I need to have my credit pulled for a pre-approval?
Buying, refinancing, renewing - whatever stage you're at, I’ve got the insights you need. Catch my latest Get Real with Kris episodes on Instagram, where I break down everything mortgages in bite-sized, no-BS segments.
The Mortgage Talk You Actually Want to Hear.
GET REEL W/ KRIS
GET REEL W/ KRIS
GET REEL W/ KRIS
From your first click to final signature, I’m in your corner. Whether it’s a purchase, renewal, or refinance, I’ll keep the process on track, handle the details behind the scenes, and make sure you always know exactly where things stand. Mortgages aren’t one-size-fits-all, but the process doesn’t have to feel complicated - I’ll guide you through each step so you can move ahead with confidence.
