Originators

It has been my privilege to serve the Denver metropolitan community with mortgages for over 35 years. I have been invited into thousands of families lives to help direct them through the mortgage maze with the end result being affordable home ownership in any part of Colorado or beyond.

My mortgage background in management, underwriting and sales has well prepared me to successfully sort through the many loan programs and criteria enabling me to offer you mortgage financing that best fits your needs.

My designation is CML, Certified Mortgage Lender: This designation, held by only 280 people in Colorado, assures you that my industry experience is backed by continued education and demonstrated professional aptitude. My CML designation reflects a commitment to mortgage lending as a career and the initiative to excel. I consider it a privilege to assist you with your mortgage financing needs.

I was born in the Kansas, but Colorado is my home. I grew up in Denver, studied in Boulder and “stumbled” into the lending business in the summer of 1979. While visiting friends in California, I ran out of money before I ran out of summer, so… I took a receptionist’s position with Transamerica Mortgage. I enjoyed the Newport Beach area, but quickly became homesick, longing for the bright blue skies of Colorado. The manager who had hired me made arrangements for me to interview with Transamerica in Denver and I was hired as a loan originator.

Interest rates were 14%, I had no experience, no training, and my mistakes were many, but, I loved meeting new people, shared their enthusiasm about their new home, enjoyed finding the right loan for them and was determined to learn and improve my skills and service to my clients. I didn’t understand it then, but when I bought my first home at 22, my career path was set. My commitment to the lending business was solidified, because I understood personally, the profound impact that home ownership has in our lives. Having grown up in an entrepreneurial family, I knew that I wanted to work for myself, so it wasn’t long before I started my own business.

Many cautioned me when I formed The Mortgage Network, that I didn’t have enough capital but being the eternal optimist, I was not deterred. I knew that what I had was far more valuable than capital, I had happy customers who were eager to refer friends and family members to me. By the end of my 1st year in business, the company had acquired assets sufficient to obtain its FHA approval.

Since 1985 I have personally helped more than 2,800 families purchase a home or refinance their loan. I took a brief hiatus in 2003 when I met my future husband, Les and spent the next 2 years traveling between Santa Fe, NM (where Les owned a home and business) and Denver.

Happily, Les has joined me full time in Denver where we live in Cherry Creek North. I’m a bit of a “work-a-holic” but, when I am not thinking about business or my loans in process, you’ll find me happily ensconced in my kitchen, plotting and planning my next gathering for friends and family.

I have served clients in the Denver Metro real estate and South suburban-surrounding areas and specializes in home purchase and refinance transactions.

BACKGROUND

I have fourteen years of experience as a mortgage broker, originating, loan processor, high-sales production. I offer excellent customer service, and value my business relationships.

ON WHAT IMPRESSED ME ABOUT THE MORTGAGE NETWORK

“What I find most impressive about The Mortgage Network is their professional loan support, their marketing tools, and friendly staff.

“There are several things that inspire me in life, but I am mostly inspired by my daughter. I love being a good example to her. Family values are of utmost importance to me and one of the reasons why
I find helping families in their home purchase very rewarding."

CONTACT KRISTI

Krististrate@comcast.net
303-523-2335
Colorado Licensed Mortgage Broker, NMLS# 319529