Kristi Spears - Branch Manager

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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 strong 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.

Reach out today to learn how a second mortgage may help you access extra funds.
10/15/2026

Reach out today to learn how a second mortgage may help you access extra funds.

🗺️ Big journeys start with bold dreams. If homeownership is yours, I’m here to help you chart the course. 🧭🏡
10/12/2026

🗺️ Big journeys start with bold dreams. If homeownership is yours, I’m here to help you chart the course. 🧭🏡

Contact me to discuss options for consolidating debt with a second mortgage.
10/12/2026

Contact me to discuss options for consolidating debt with a second mortgage.

Perfect credit not required ✅Homeownership may be closer than you think.📩 DM me to review your options.
10/09/2026

Perfect credit not required ✅
Homeownership may be closer than you think.
📩 DM me to review your options.

Early detection saves lives. This month, encourage your loved ones to schedule their screenings and take care of their h...
10/09/2026

Early detection saves lives. This month, encourage your loved ones to schedule their screenings and take care of their health. 💕

Buying can beat renting 🔑Sometimes ownership costs less monthly.👉 Ask me to compare.
10/09/2026

Buying can beat renting 🔑
Sometimes ownership costs less monthly.
👉 Ask me to compare.

Lower debt = stronger approval 📊Paying down balances can help.👉 Let’s review your numbers.
10/08/2026

Lower debt = stronger approval 📊
Paying down balances can help.
👉 Let’s review your numbers.

Credit can be improved 🔧Small steps can make a big difference.📲 Let’s build a plan.
10/07/2026

Credit can be improved 🔧
Small steps can make a big difference.
📲 Let’s build a plan.

Let's explore whether a second mortgage fits your financial goals.
10/06/2026

Let's explore whether a second mortgage fits your financial goals.

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

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