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.

Mortgage paperwork isn’t always valid forever.Income documents, bank statements, and other records may need to be update...
08/26/2026

Mortgage paperwork isn’t always valid forever.

Income documents, bank statements, and other records may need to be updated during the process.

Keeping your documents current helps avoid unnecessary delays. ✅

Closing day is almost here — but there are still important steps.Final paperwork, loan approval, and a last review of yo...
08/24/2026

Closing day is almost here — but there are still important steps.

Final paperwork, loan approval, and a last review of your finances all happen before ownership officially changes.

Stay prepared and that dream home gets closer. 🏡

Many buyers wait for the perfect moment to buy.But while waiting, prices, rates, and opportunities can change.Instead of...
08/21/2026

Many buyers wait for the perfect moment to buy.

But while waiting, prices, rates, and opportunities can change.

Instead of timing the market perfectly, focus on understanding when buying makes sense for you. 📊

Waiting may seem like the safer choice, but the market can change.Home prices, interest rates, income, and your financia...
08/19/2026

Waiting may seem like the safer choice, but the market can change.

Home prices, interest rates, income, and your financial situation can all affect how much home you can afford.

The right time depends on your personal situation — not just headlines. 💡

Lenders look beyond your credit score.They may consider things like:✅ Payment history✅ Debt management✅ Savings habits✅ ...
08/17/2026

Lenders look beyond your credit score.

They may consider things like:

✅ Payment history
✅ Debt management
✅ Savings habits
✅ Income consistency

Small financial habits can make a big difference when applying for a mortgage.

Your monthly payment may include more than just the loan.It can include:🏡 Principal📉 Interest🧾 Taxes🛡️ InsuranceUndersta...
08/14/2026

Your monthly payment may include more than just the loan.

It can include:

🏡 Principal
📉 Interest
🧾 Taxes
🛡️ Insurance

Understanding your payment helps you make smarter homeownership decisions.

Mortgage approvals require documentation — and every document has a purpose.A missing statement, unclear deposit, or inc...
08/12/2026

Mortgage approvals require documentation — and every document has a purpose.

A missing statement, unclear deposit, or incomplete paperwork can slow down the process.

Staying organized helps keep your home purchase moving forward. 🏡

Lenders look at more than just how much money you have.They also look at where your funds came from and how consistent y...
08/10/2026

Lenders look at more than just how much money you have.

They also look at where your funds came from and how consistent your financial habits are.

Building healthy money habits can make the mortgage process smoother. ✅

Buying a home is a major financial step.Before closing, avoid:🚗 Taking out a new car loan💳 Opening new credit cards🛋️ Fi...
08/07/2026

Buying a home is a major financial step.

Before closing, avoid:

🚗 Taking out a new car loan
💳 Opening new credit cards
🛋️ Financing large purchases
💰 Making major account changes
📉 Adding new debt

Even small changes can impact your mortgage approval.

Getting approved is exciting — but the process isn’t finished yet.Between approval and closing, lenders are still review...
08/05/2026

Getting approved is exciting — but the process isn’t finished yet.

Between approval and closing, lenders are still reviewing documents, finances, and any changes that could affect your loan.

Stay consistent and avoid big financial moves until you get the keys. 🏡

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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