Kristi Spears - Branch Manager

Kristi Spears - Branch Manager I love working in the mortgage industry. I find it so rewarding to help individuals and families ac No brokering, no middleman, no hassle, no surprises.

Kristi M Spears | NMLS # 275935 | AZ State Lic: LO-0929711, AZ Corp Lic: BK-0904081

Academy Mortgage is an Equal Housing Lender | Corp NMLS # 3113
Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act

It's all about service, and I have been meeting the needs of homebuyers across the United States since 1988. I am known for my stron

g reputation for integrity-based mortgage lending, unwavering commitment to responsible lending practices, and a broad portfolio of mortgage solutions and tools. I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. As a direct lender, my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible. I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice. I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

In memory of many, in honor of all. Your bravery lives on in the hearts of a grateful nation.
05/25/2026

In memory of many, in honor of all. Your bravery lives on in the hearts of a grateful nation.

We remember not just with words, but with gratitude in our hearts. Thank you to the fallen heroes who gave everything. ...
05/25/2026

We remember not just with words, but with gratitude in our hearts. Thank you to the fallen heroes who gave everything.

🏎️💨 Zooming toward better rates? Refinance before the window closes! 🏁
04/23/2026

🏎️💨 Zooming toward better rates? Refinance before the window closes! 🏁

🌍 Make every day Earth Day. Build a greener tomorrow starting with your home! Discover how you can finance and benefit f...
04/22/2026

🌍 Make every day Earth Day. Build a greener tomorrow starting with your home! Discover how you can finance and benefit from eco-friendly options for your current or future home. 🌿

🏡 First-Time Homebuyer Tips! 🏡Swipe through for essential tips: 1️⃣ Determine your budget 2️⃣ Find the right location 3️...
04/21/2026

🏡 First-Time Homebuyer Tips! 🏡
Swipe through for essential tips: 1️⃣ Determine your budget 2️⃣ Find the right location 3️⃣ Know your needs and wants 4️⃣ Get pre-approved for a mortgage 5️⃣ Work with a real estate agent 6️⃣ Inspect the home 7️⃣ Consider the resale value 8️⃣ Don't rush the process, and 9️⃣ Review the contract.
Your dream home is just a few steps away! 🌟

Building equity isn’t just about paying your mortgage — it’s about making smart moves that grow your wealth over time. H...
04/08/2026

Building equity isn’t just about paying your mortgage — it’s about making smart moves that grow your wealth over time. Here are 6 ways to start building equity in your home faster. 💰🏡

Buying a home is exciting, but it’s also a journey—and your agent is with you every step of the way! Here’s what they br...
04/07/2026

Buying a home is exciting, but it’s also a journey—and your agent is with you every step of the way! Here’s what they bring to the table:

1️⃣ Help you find the perfect home 🏠
2️⃣ Navigate the market & understand pricing 📊
3️⃣ Schedule and attend showings 📅
4️⃣ Negotiate the best deal for you 💸
5️⃣ Connect you with trusted lenders & inspectors 🔑
6️⃣ Explain contracts and paperwork 📄
7️⃣ Advocate for your needs during the process 🗣️
8️⃣ Guide you through the home inspection process 🔍
9️⃣ Keep the deal on track to closing 🎯
🔟 Support you every step of the way! 🙌

Your dream home isn’t out of reach with a great agent by your side. What’s most important to you in a real estate agent? Let us know! 🏡✨

Ringing in the new year with gratitude for the roof over our heads and the love within. 🎊❤️
01/01/2026

Ringing in the new year with gratitude for the roof over our heads and the love within. 🎊❤️

Cozy nights, twinkling lights, and the joy of family under one roof. That’s the true gift of the season. 🎁🏠
12/25/2025

Cozy nights, twinkling lights, and the joy of family under one roof. That’s the true gift of the season. 🎁🏠

Whether it’s your first Christmas in a new home or your fiftieth, may it be filled with laughter, love, and lasting memo...
12/25/2025

Whether it’s your first Christmas in a new home or your fiftieth, may it be filled with laughter, love, and lasting memories. 🎄💫

Address

209 W Main Street Suite 103 V. I. P. Mortgage, Inc. Does Business In Accordance With Federal Fair Lending Laws. NMLS ID 145502 Equal Housing Lender
Kelso, WA
98626

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+13609571757

Website

https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275935

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