With over 8 years of experience in the mortgage industry as a processor and loan partner, I’m passionate about helping you navigate home financing with confidence, clarity, and peace of mind. Today, as your local Loan Officer and trusted financing resource, my goal is simple: to help you start your next chapter fully informed and empowered.
In today’s fast-moving digital world, I believe the mortgage process should still feel personal. I take a holistic, relationship-driven approach to financing and pride myself on educating clients every step of the way so you feel confident in your decisions as a homeowner here in Florida, Georgia, or Pennsylvania.
At American Home Mortgage Group, we value strong relationships — with our clients, community partners, and lending network — allowing us to offer financing solutions tailored to a wide range of needs, including:
Areas of Specialization
Your Pre-Approval Is More Than a PDF • I believe a pre-approval should be a strategy session — not just paperwork. Whether you’re purchasing your first home, upgrading, or building an investment portfolio, you deserve guidance, transparency, and white-glove service at every price point.
Buying a home is one of the biggest financial decisions of your life, and it’s important to work with someone who makes you feel seen, heard, and supported throughout the process.
Supporting the Military and First Responder Community • As the wife of a disabled veteran who served for 17 years, I understand both the personal and financial realities military families face. My mission is to bridge the gap between lender and the military community while helping fellow patriots maximize their VA Home Loan benefits.
With gratitude and respect, I proudly serve our military members, veterans, first responders, law enforcement, healthcare workers, and their families, and continue to "pay it forward".
Homeownership Coaching & Mortgage Readiness • I enjoy helping renters take their first steps toward homeownership. From mortgage readiness coaching and credit improvement resources to down payment assistance strategies and closing cost solutions, I’m committed to helping you build long-term wealth through homeownership — not continue paying someone else’s mortgage.
For all your residential mortgage financing needs, call me today at (386) 986-6853, email kristen@ahmfl.com, or schedule a one-on-one consultation by phone or in person through my Calendly link below. Be sure to follow along on social media for tips, updates, and educational content.
Kristen is originally from Maryland, and has called Palm Coast her home since 2004. She shares her love of life and adventure with her high school sweetheart Joe, two boys Jayden and Dominic, and frenchie, Luca! Traveling, photography, painting, gardening, animals, being with friends and spending time with her family are some of her favorite things.
My family is dedicated to military, family and veteran initiatives. My husband co-founded non-profit Hookin' Veterans (https://hookinveterans.org).
Hookin’ Veterans brings injured Veterans from all over the United States together for a one of a kind offshore fishing experience. An old saying goes, “Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime.” Our Veterans learn everything they need to know in order to take these skills home to their friends and families, giving them a hobby or new found passion they can then share with others. Our trips are designed to be fun, relaxing, and in some ways soothing to the soul. That being said, Hookin' Veterans is not about catching fish it’s about Heroes being remembered and Heroes being honored. This allows them to kindle new bonds with brothers in arms, giving them an experience they will remember forever. Catching fish is just a bonus.
I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.
I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.
Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.
I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.
