A mortgage broker and licensed Realtor who's actually been on your side of the table — as a buyer, a seller, and an investor.
Most people juggle a lender and an agent who never talk to each other. I'm both. As an independent mortgage broker through Barrett Financial Group and a licensed Realtor, I handle the financing and the home in one place — so nothing falls through the cracks between two professionals who've never met.
Over 15+ years I've closed more than 1,000 mortgages. And because I shop 100+ wholesale lenders instead of selling one bank's shelf, I bring you the loan that actually fits — not just the one product a bank had to offer.
I've also personally invested in 50+ properties. That means when we sit down, you're getting advice from someone who understands real estate as an owner and an investor, not only as a lender. Real-world numbers, not textbook ones.
Get Pre-ApprovedI live and work right here in the White Mountains, serving them all — Show Low, Pinetop-Lakeside, Lakeside, Taylor, Heber-Overgaard, Springerville, and Eagar. This is home, and my clients are my neighbors. That changes how you do business.
I built Kristi Olson around two things I believe in. First, straight numbers. I'll tell you honestly whether a loan makes sense, whether now is the right time, and what the real costs are — even when the honest answer is "wait" or "not yet." Second, no pressure. Buying or refinancing a home is a big decision, and you should never feel pushed into it. My job is to give you the options and my genuine recommendation, then let you decide.
Being a broker instead of a bank is my competitive advantage, and it's yours too. A bank's loan officer can only sell that bank's products. I shop 100+ lenders competing for your loan, which usually means a better rate, a faster close, and programs a single bank can't touch — like bank-statement loans for the self-employed and DSCR loans for investors.
Licensed in Arizona and Missouri, I'd be glad to help you find your right loan and your right home.
Real reviews from real neighbors across the White Mountains.
"Having her as both our realtor and mortgage broker made the entire home-buying process seamless and stress-free. It's rare to find someone who can handle both sides so efficiently, but Kristi exceeded every expectation."
"Kristi went above and beyond when she caught an error in our loan that would have cost us more than $3,000 — her attention to detail saved us a significant amount of money. We felt supported every step of the way."
"A big shout-out to Kristi Olson! We reached out to around 15 lenders and she came through for us. If you want a HELOC or need a mortgage loan, she's your gal."
Get pre-approved in minutes or just reach out with a question. No pressure, real answers. Equal Housing Opportunity.