About Kristin Schroeder
Helping homebuyers across Colorado buy homes with confidence, without the stress. Hi, I'm Kristin Schroeder, a mortgage loan officer based in Colorado, helping clients navigate the home financing process with clarity and confidence. I specialize in working with first-time homebuyers, veterans, investors, and self-employed borrowers throughout Colorado, offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing or home equity options - Looking into programs like FHA, VA, Conventional, Jumbo, Bond Loans, Home Equity Lines of Credit (HELOCs), or Second Mortgages I'll walk you through your options and help you choose the right mortgage strategy, not just the easiest one. Over the past 28 years, I've helped thousands of clients achieve their homeownership goals. I especially enjoy helping borrowers with low credit scores, unique income situations, fast closings, complex financing scenarios, and mortgage education. Whether you're ready to buy today or need time to prepare, I'll help you build a plan that works for your financial future. What sets me apart: - Personal, one-on-one attention from our very first meeting - I meet clients in person at a time and location that's convenient for them, including evenings and weekends - Clear education throughout the mortgage process so you always know what to expect - Consistent communication from application through closing - I attend every closing and stay by your side every step of the way - I treat every client like family and never rush anyone into buying before they're truly ready Do you need 20% down to buy a home? No. Many buyers qualify with as little as 3–5% down, depending on the loan program and their individual qualifications. What credit score do you need? Every situation is different, and there are financing options available even if your credit isn't perfect. I'll help you understand what's possible and create a plan if you're not quite ready yet. How much home can you afford? Your budget depends on your income, debts, and long-term financial goals. I'll help you understand your options so you can make a confident decision. As a Top Producer with nearly three decades of experience, I've helped thousands of families and individuals across Colorado secure financing for homes in a wide variety of price ranges and situations. I'm proud to be a trusted resource for homebuyers and the real estate professionals who serve them. Check out my client reviews to see what it's like to work together. When I'm not helping clients, you'll usually find me spending time with my family. I love being a mom and grandma, and family is at the heart of everything I do. I genuinely love what I do so much that it never feels like work. I believe this business is about relationships, education, and being someone people can count on long after closing. If you're thinking about buying a home, refinancing, or simply exploring your options, I'd love the opportunity to help you every step of the way.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 12110 North Pecos St, Suite 100 Westminster CO, 80234