As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

VP of Mortgage Lending

ZZ BenQadi is your Westminster  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, ZZ is committed to helping homeowners with home purchase loans and refinances. Contact ZZ at (303) 557-3847 for more information!

ZZ BenQadi at Guaranteed Rate Affinity (NMLS #1711340)

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.

Kristin Schroeder is your Westminster  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kristin is committed to helping homeowners with home purchase loans and refinances. Contact Kristin at (303) 285-1638 for more information!

Kristin Schroeder at Guaranteed Rate Affinity (NMLS #316573)

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