About Me

"A mortgage can be a bill — or a tool for financial independence."

I'm Kristy Flach — a Certified Mortgage Advisor, strategist, and educator who believes your mortgage should be a financial tool, not just a transaction.

The Certified Mortgage Advisor designation represents the highest standard of excellence for mortgage professionals in the United States. It goes far beyond traditional loan-officer training and focuses on understanding how mortgage decisions fit into a broader financial picture:

What truly sets me apart, however, is experience.

With 17 years of mortgage underwriting experience and a background as a licensed Realtor, I understand both how loans are approved behind the scenes and how real-world transactions unfold. I know how to structure loans that anticipate underwriting scrutiny, align with contract realities, and move smoothly from application to closing.

That means fewer surprises, clearer expectations, and a process built on preparation — not reaction.

I love being outdoors — softball, kayaking, golf and camping — and I protect that time because balance matters. I also share my life with Gus, my wonderfully neurotic Westie, who keeps me humble and insists that I serve as his emotional support animal.

Whether you're buying your first home, refinancing, or evaluating loan options, my role is to present clear strategic choices and guide you toward decisions that work best for your life. I focus on education, transparency, and strategy — so you understand not just what you're doing, but why it supports your long-term financial security.

If you're looking for clarity, strategy, and a mortgage advisor who leads with integrity — I'd be honored to work with you.