Lakeside is the quieter, more residential half of the Pinetop-Lakeside community — home to Rainbow Lake and the kind of settled, full-time mountain living families put down roots in. If you're buying a home near the lake, refinancing, or investing just up the road from Show Low, I handle both your financing and your real estate right here.
A loan officer at a single bank can only offer that bank's products. As an independent broker through Barrett Financial, I shop 100+ wholesale lenders competing for your loan — which usually means better terms, a faster close, and programs a single branch can't offer. One person handles both your mortgage and your Lakeside home search, so nothing falls through the cracks. Equal Housing Opportunity.
Because I shop 100+ lenders, I can place loans a single bank turns away.
Buy your Lakeside home — near Rainbow Lake or tucked in the pines — shopped across 100+ lenders.
Lower your rate or payment on your Lakeside home when the market moves your way.
Put your Lakeside equity to work — renovations, investing, or consolidating debt.
Low- and no-down options for veterans, first-time buyers, and rural areas near Lakeside.
Qualify on real income — many programs need no tax returns. Great for local business owners.
Finance a Lakeside rental on the property's cash flow, not your W-2.
A quick, secure application. No stack of paperwork to start.
You get the winner — the right fit for your Lakeside purchase or refinance.
I chase every condition and keep everyone updated, so nothing stalls.
Close on time and settle in near Rainbow Lake — done right, start to finish.
Real reviews from real clients across the White Mountains.
"A big shout-out to Kristi Olson! We reached out to around 15 lenders and she came through for us… 10 days from application to money in our account. Great rate, no appraisal, nothing up front. If you want a HELOC or need a mortgage loan, she's your gal."
"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. Highly recommend!"
Yes. As a broker I shop 100+ lenders for VA financing for veterans and active-duty buyers in Lakeside, including zero-down purchases and VA refinances. Comparing across many lenders lets me match the VA loan that fits your service situation and timeline.
There's no single cutoff. Programs accept a wide range of credit profiles, and because I shop 100+ lenders I can often place a Lakeside buyer a single bank would decline. Start with a quick pre-approval so we can see exactly what you qualify for.
Absolutely. I offer bank-statement and other self-employed programs that qualify Lakeside buyers on real income — often with no tax returns required — which a typical bank can't do.
Yes. Kristi Olson is local to the White Mountains and I work across the region, including Lakeside, Pinetop and Show Low. You get a local expert who knows the Rainbow Lake area, not an out-of-state call center.
Get pre-approved in minutes or just ask a question. No pressure, real answers.