Kristin H Armbrust

3831 Old Forest Road Suite 6, LYNCHBURG VA 24501

Get to know Kristin

As a Lynchburg native with a comprehensive background in mortgage processing, closing, and underwriting, I bring a unique perspective to the lending process. My deep understanding of the 'back-end' mechanics allows me to anticipate requirements and streamline approvals, ensuring your loan closes quickly and without unnecessary stress. In this industry, local expertise and technical experience aren't just assets—they are the keys to a seamless homebuying journey.

Why choose Kristin?

Licensed in:

Virginia

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Brokerage info

Questions? Kristin has answers.

We prompted questions to Kristin so you can learn more about their skills, preferences, and availability.

What should clients expect when working with you from start to finish?

Fast and efficient with clear communication and availability when others are not

How do you provide rate quotes for clients who want to protect their credit score?

I offer "soft pull" credit reports

How do you feel about clients starting the conversation before they’re ready to purchase?

It's important to have a plan in place before you even start the search process. I love when I can discuss goals and help set timelines in place with the buyer

How do you support clients looking to improve their credit before applying?

When a buyer's credit does not meet the standard credit score requirements, it's important to go over derogatory credit items and come up with a plan.

What documents do your clients need to start the process?

Must have most recent 30 day pay stubs, 2 years most recent W-2's, 2 months most recent bank statements, 2 years of most recent business and personal tax returns if self employed