Kristen Johnson brings more than twenty five years of experience in the financial services industry, including over fifteen years dedicated to mortgage lending. She is known for her education-first approach and her commitment to guiding clients through a smooth and positive mortgage experience. Kristen focuses on understanding each client’s goals and delivering honest, competitive, and reliable solutions with the intention of building long-term relationships.

Kristen offers tailored lending strategies across a broad range of loan programs, supporting first-time buyers, seasoned investors, and clients seeking to refinance. Originally from Southern California, she holds a degree in Business Management from California State University, Long Beach. After relocating to Santa Rosa Beach, Florida, she continues to serve clients with clarity, consistency, and a strong dedication to helping them achieve lasting homeownership success.