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Mortgage Pro Kristin Graham

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San Antonio, TX
Mortgage Pro Kristin Graham

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I specialize in VA loans, first-time buyers, move-up & dream homes, and refinances.

Mortgage Pro Kristin Graham is a trusted San Antonio mortgage lender helping homebuyers nationwide with personalized mortgage solutions for purchases, refinances, and relocations
💛 Straight Talk + Smart Guidance to Your Next Front Door 💛 Mortgage Pro Kristin Graham is a San Antonio based team helping homebuyers nationwide with personalized mortgage solutions for purchases, refinances, and relocations. Straight Talk + Smart Guidance to Your Next Front Door

Drawing on my background as a former accountant and auditor at Ernst & Young, I bring strategic insight, clarity, and genuine care to every loan. Known for blending financial expertise with heartfelt support, I ensure buyers feel confident, prepared, and empowered—whether purchasing in Texas or anywhere in the country. From military families to move-up buyers, I am committed to making home happen with logic, heart and a plan. Mortgage Pro Kristin Graham NMLS #260576
Phone: 210.639.0984
www.MortgageProKristin.com

10/28/2026

MortgageMutts Pet of the Week: Meet Maya! 🐾

Maya is a female Labrador Retriever mix, about one year old and around 35 pounds. She is energetic, friendly and eager to please. She already knows sit and shake, gets along with kids and other dogs, and would be a great candidate for training. Maya is a little underweight and still has some filling out to do.

Apply through SNIPSA to meet this happy-go-lucky pup.

10/27/2026

“I’d love to buy a home, but I don’t think I’ve saved enough yet.”

I hear this more often than you might think. How much do you think you need?

$3,000, 10,000? $20,000? 20% of the purchase price?

The answer is different for everyone!

There are loan programs that allow as little as 3% down and some that offer 0% down. But the down payment is only one piece of the puzzle.

Your income, credit, monthly debts, closing costs and what you’re comfortable paying each month all play a part.

Here’s an example.

Last week, I was getting my hair trimmed and chatting with my hairdresser. She mentioned that she and her husband and two kids are in an apartment and saving to buy a home.

They’ve saved $15,000 and her husband is a veteran. When I asked if she knew they might qualify for a VA loan with no down payment, she had no idea!

Their lease is up in February, so we started talking about whether buying instead of renewing might be an option.

We haven’t looked at their numbers yet, but that conversation gave her information she didn’t have before.

My takeaway? Don’t decide you’re not ready to buy based on what you think it takes. Call me to find out what it actually takes for YOU! ❤️

Happy to help always!

📲 210-639-0984 | mortgageprokristin.com

10/27/2026

Homeowner Tip of the Week: Give your alarms a quick check before the clocks change 🏠

Clocks fall back Sunday, Nov. 1. Test each smoke alarm monthly and replace its batteries at least once a year. Smoke alarms should be replaced every 10 years. Keep carbon monoxide alarms on every level and outside sleeping areas. Change their batteries with the smoke-alarm batteries and check the label for the CO alarm’s replacement timeline.

A small seasonal reminder can help keep home safety on the list.

10/24/2026

🏡 OPEN HOUSE | Sunday, October 25 | 2:00 – 4:00 PM

309 Lake View Drive, Boerne, TX 78006
$1,500,000 | 4 bed | 4 bath | 4,282 sq ft | 1.81 acres

Set on 1.81 beautifully landscaped acres in Boerne, this exceptional custom residence captures sweeping Hill Country views and a picturesque setting with a private pond, cascading water features, and mature trees. Expansive living spaces, a well-appointed kitchen, and a private primary suite complement an inviting covered porch and a separate garage apartment, while exclusive neighborhood access to Boerne Lake offers an extraordinary connection to the outdoors.

📍 Stop by this Sunday and see it in person!

Listed by Bennett Kennedy, Phyllis Browning Company
Hosted by Devan Bonahoom, Phyllis Browning Company

Thinking about a home like this? I’d love to talk through your financing options 📲 (210) 639-0984

10/23/2026

San Antonio weekend plans are here! 🎉 The Day of the Dead River Parade is Friday, Oct. 23 at 7 PM on the River Walk (ticketed; price not listed). Mu***os Fest runs Oct. 23–25 at Hemisfair (free; hours not listed). The Day of the Dead Festival at La Villita runs Oct. 23–25 (free; hours not listed). Ballet San Antonio: Dracula runs Oct. 23–25 at the Tobin Center (time and cost not listed). Cultural Celebration: Día de los Mu***os at Market Square is Oct. 24–25, 10 AM–6 PM (free). Calaverita Run 5K and Family Walk is Oct. 24, 5–9 PM at 100 E. Grayson St. (cost not listed). Rio de la Vida: Tradition Trail Tour is Sunday, Oct. 25 at 7:30 PM, departing the Briscoe Western Art Museum by GO RIO cruise (cost not listed). Check with organizers for details. What’s on your list?

10/23/2026

Congratulations to my borrower turned investment property owner!! 🏡🤗 This was not an easy financial puzzle to solve, but we found a way to make it happen!

He found a unique property he believed would be a great investment opportunity. He was excited about the possibilities, and I was excited to help!

But there was a challenge. This was no ordinary property, and finding a loan program that would accommodate its uniqueness proved much more difficult than expected.

We explored one loan option after another. Every time we thought we had a solution, we ran into another obstacle.

But I wasn’t ready to give up! 😊

After exhausting our financing options for the investment property, I looked at the bigger financial picture. What other resources did he have available?

That’s when we turned to the equity he had built in his current home. Fortunately, the numbers worked!! 🙌

By tapping into that equity through a cash-out refinance, he was able to purchase his investment property!

This is why it’s so important to look at the whole picture, not just one loan option.

Considering an investment property or wondering how the equity in your current home could work for you? I’d love to help you explore your options!

📲 Kristin Graham | NMLS #260576
🌐 MortgageProKristin.com

10/21/2026

MortgageMutts Pet of the Week: Meet Boyfriend! 🐾

Boyfriend is a Great Pyrenees mix, about 3 years old, who spent his early life as a working barn dog around horses. A SNIPSA affiliated veterinarian found him living on his own and brought him into the program, where he has since been vetted and neutered.

His foster reports that he is settling into home life well. He walks nicely on a leash, has had no accidents in the house and goes into a kennel without a fuss. He gets along with the whole family, likes young children and does well with other dogs.

Boyfriend is still working on missing his family when they are away and exercise helps him relax. He would do best with a patient owner who will keep up the training and give him time to feel secure in his new home.

Ready to meet him? Apply through SNIPSA.

10/20/2026

Homeowner Tip of the Week

Our first freeze is still weeks away, which makes right now the easy time to get ready. On average San Antonio sees its first freeze around November 30, while parts of the Hill Country get there sooner. Those are long-run averages and any given year can differ.

Spend ten minutes this weekend on three things: pick up foam covers for your outdoor faucets, wrap any exposed pipes in foam or fiberglass sleeves and make sure everyone in the house knows where your main water shutoff is. SAWS also suggests opening the cabinet doors under sinks on cold nights so warmer room air can reach the pipes.

Doing it now means you are not hunting for supplies the night a hard freeze shows up in the forecast. Questions about protecting your home? DM me or call 210-639-0984.

10/20/2026

Divorce is never easy. No matter the circumstances, it brings emotions, difficult decisions, and uncertainty about life on the other side.

When a home is involved, more questions arise. Who will keep it? Can they comfortably afford it on their own? And how will the equity be divided?

Fortunately, she connected with a Realtor who cared just as much as I do about helping our client achieve the best possible outcome! Kathy Masterson understood how important it was to bring me into the conversation early in the divorce process, before financial decisions were made about their marital home.

I’m so grateful she did! ❤️ We looked at the numbers, explored her options, and provided solutions that helped her and the attorneys navigate one of the biggest assets involved in the divorce.

Three months later, when the divorce was final, we were ready! We moved quickly to refinance her home, allowing her to close a difficult chapter and begin a new one with financial independence and peace of mind.

I am so grateful for the work I get to do. Sometimes that means stepping into someone’s corner during one of life’s hardest seasons, offering comfort through numbers, thoughtful solutions, and reassurance when it’s needed most. ❤️

If life has brought unexpected changes and you’re wondering what your options are, I’d love to help you find some clarity.

📞 Kristin Graham | NMLS #260576
🌐 MortgageProKristin.com

10/16/2026

Luxury Listing of the Week
8030 Sky Vista, San Antonio, TX 78266
3 bed | 2.5 bath | 3,251 sq ft | $1,100,000

Set on nearly 1.5 private acres in the gated Ramble Ridge community, this Garden Ridge home backs to a wildlife preserve with wide open Hill Country views and a real sense of privacy.

Inside, the chef's kitchen features a Bosch built in steamer, three built in ovens and 32 inch built in refrigeration. A private w**e room with a wet bar adds sophistication and the primary suite includes a spa inspired bathroom with heated floors.

Outside, the resort style pool is the centerpiece, framed by a spacious patio, an expansive covered patio, an outdoor kitchen and built in garden beds. The three car garage includes a third bay set up as a woodworking workshop.

Thinking about a purchase at this level? DM me or call 210-639-0984 to talk through your financing options.

Listing courtesy of Devan Bonahoom, Phyllis Browning Company

Address

200 E Grayson Street Ste 210
San Antonio, TX
78215

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+12106390984

Website

https://www.mortgageprokristin.com/

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