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Kristin Flora

Loan Officer

(559) 972 8635
[email protected]

NMLS: 827889
8050 N. Palm Ave, Suite 300; Suite 356
Fresno, California 93711

State Licensing Information:

CA-DOC827889
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My Reviews

80 Reviews

  1. Suzanne Reed
    Suzanne Reed on April 15, 2022 at 10:09 pm

    Kristin made my loan process so easy! If I had any questions, she was quick to respond with the answers. Providing documentation was super easy through the secure portal and I could always see what I had uploaded and what was still needed. I highly recommend Kristin!

    Reply
  2. James Tapp
    James Tapp on April 15, 2022 at 10:10 pm

    It was all about Kristin Lucas, she made our experience with your CO a very pleasant one!

    Reply
  3. Ramon Gutierrez
    Ramon Gutierrez on April 15, 2022 at 10:10 pm

    Everything went smooth and worked well to address issues that came up.

    Reply
  4. Stephen Meredith
    Stephen Meredith on April 15, 2022 at 10:11 pm

    Very easy to work with. Gets the job done !

    Reply
  5. Brandon Turman
    Brandon Turman on April 15, 2022 at 10:12 pm

    Kristin communicated with us about every detail. She was very professional and paid attention to detail. She is the reason our experience was great!

    Reply
  6. Shawn Stutzman
    Shawn Stutzman on April 15, 2022 at 10:13 pm

    Kristin is great, very attentive, prompt, and helpful.

    Reply
  7. Kristin Bibb
    Kristin Bibb on April 15, 2022 at 10:13 pm

    Kristin is professional, communicative, transparent & has a sense of urgency that gives the customer certainty that their transaction is important & top of mind! She brings calmness to a process that can be overwhelming & unpredictable. I would recommend her over & over again!

    Reply
  8. Andy Shanley
    Andy Shanley on April 18, 2022 at 11:00 pm

    Kristin was SO helpful. We were 1st time home buyers and didn't know much about the process. Not only was so so informative but she also never made us feel silly for asking the questions we did. The process was smoothe and went off without a hitch—WAY faster than we thought was humanly possible.

    Reply
  9. Gerardo Lopez
    Gerardo Lopez on April 18, 2022 at 11:01 pm

    From the moment we met to the moment we closed ( and even after if needed ) Kristin had been at our finger tips, our personal assistant, our counselor, social worker and now a friend. No matter what we needed, what time we needed her she worked with us and our needs and wants cake first. I would gladly recommend her to everyone we know or just any random person as well. We made a great choice with her and are very pleased . Thank you again to not only Kristin but ro Everyone had to work with us!

    Reply
  10. Joe Garcia
    Joe Garcia on April 18, 2022 at 11:02 pm

    Kristin Was super easy to get along with and very thorough in helping me understand the process

    Reply
  11. Sarah Blount
    Sarah Blount on April 18, 2022 at 11:02 pm

    Kristin was extremely patient when I had trouble understanding the process. She was then very clear and helpful. She was also prompt with responses. She made me feel secure, comfortable and confident. She was beyond helpful and I’m grateful to have worked with her for our refinance. What I thought was going to be a stressful time was actually smooth and easy. Thank you, Kristin!

    Reply
  12. Brandon Mendez
    Brandon Mendez on April 18, 2022 at 11:03 pm

    Kristin was very understanding with all of our questions, very patient and very very motivated to make things work and figure out solutions. Thank you so much!

    Reply
  13. Yangda Lin
    Yangda Lin on April 18, 2022 at 11:03 pm

    Kristin is always available to meet or communicate throughout the loan application process. She is very patient on explaining and answering my questions. She is also very efficient on handling all the documents that are necessary to acquire the loan.

    Reply
  14. Anthony Martinez
    Anthony Martinez on April 18, 2022 at 11:04 pm

    Super helpful, very informative, easy to contact, definitely cares about her clients. Recommend 10/10 times. Thanks for everything Kristin!

    Reply
  15. Diana Tirado
    Diana Tirado on April 18, 2022 at 11:04 pm

    Attentive, worked hard, and was always available.

    Reply
  16. Joseph Ceppaglia
    Joseph Ceppaglia on April 18, 2022 at 11:04 pm

    We had a amazing experience. They got the job done fast and stayed with communication the whole time. I would recommend!

    Reply
  17. Darin Zuber
    Darin Zuber on April 18, 2022 at 11:05 pm

    Kristin provided exemplary service to both my clients and my real estate team. She took the time to make sure my clients were educated and informed of every process that took place and that allowed a smooth transaction for all parties involved. Thank you Kristin for your commendable conduct and work ethic.

    Reply
  18. Melvin Smith
    Melvin Smith on April 18, 2022 at 11:05 pm

    We really loved working with Kristin she went above and beyond the norm to help us and to make it happen!

    Reply
  19. Thomas Downing
    Thomas Downing on April 18, 2022 at 11:06 pm

    Kristin is very easy to work with and very helpful. She made the process as easy and painless as possible.

    Reply
  20. Elizabeth Garcia
    Elizabeth Garcia on April 18, 2022 at 11:07 pm

    Kristin took the time to explain for me to understand always keeping in mind that this was my first time buying a house.

    Reply
  21. Brittney Boolootian
    Brittney Boolootian on April 18, 2022 at 11:07 pm

    Kristin always kept me updated about the status of my loan. She really went above and beyond to ensure I was happy!

    Reply
  22. William Woolman
    William Woolman on April 18, 2022 at 11:08 pm

    Kristin is very knowledgeable, and kept me informed during the entire process. She was always available when I needed her. She completed our refinance during the pandemic, a very difficult time to say the least. Extremely impressed.

    Reply
  23. Rand Rowley
    Rand Rowley on April 18, 2022 at 11:08 pm

    KRISTIN was very quick and responsive. She had answers to all of our difficult questions and was very professional. You can really see her passion for her job and clients in every encounter. Although we had a few hiccups in our process, she worked all hours to help get the job done. She makes everyone feel like they are a priority. A true pleasure to work with. We will definitely be referring her!

    Reply
  24. Paula Solomon
    Paula Solomon on April 18, 2022 at 11:09 pm

    Kristin was knowledgeable and so patient with me as she walked me through a complicated real estate deal! I did not have the experience or vocabulary to communicate in this field, but she tirelessly held my hand and explained everything in a way that was respectful and understanding. I value her expertise and recommend her highly.

    Reply
  25. Kellye Moran
    Kellye Moran on April 18, 2022 at 11:09 pm

    Kristin was so wonderful to work with as first time home buyers. She sat down with my husband and I and educated us on the whole process from start to finish. She was easy to get ahold of and was always happy to answer all of our questions. We had to bring our young daughter to all of the meetings and she was so accommodating to her as well. I loved working with Kristin and would recommend her to anyone.

    Reply
  26. Yvan Mendoza
    Yvan Mendoza on April 20, 2022 at 3:38 pm

    Always available to answer questions, she had detailed explanations on everything I asked. Helped me in every step of the process, promptly responded to emails.

    Reply
  27. Andrew Meredith
    Andrew Meredith on April 20, 2022 at 3:39 pm

    Kristin went above beyond to help answer all my questions and ease my fears as we were buying and selling at the same time and the one we were selling fell out of escrow. She was very creative and helpful and helped us find options to still get our dream home!

    Reply
  28. Marcus Owen
    Marcus Owen on April 20, 2022 at 3:39 pm

    Kristin was extremely helpful during the whole process of our home buying experience. We are so grateful to have had her alongside us.

    Reply
  29. Wade Wallace
    Wade Wallace on April 20, 2022 at 3:40 pm

    She was extremely friendly and responsive.

    Reply
  30. Lisa Molina
    Lisa Molina on April 20, 2022 at 3:40 pm

    Very personable and friendly. Helped make terminology simple and clear. Worked quickly. Clearly explained the process of home buying. Was always available to communicate when needed.

    Reply
  31. Seth Fisher
    Seth Fisher on April 20, 2022 at 3:41 pm

    Kristin was awesome. She was super friendly and knowledgeable about our refinance, even when I didn’t understand how it all works. She definitely gives 110% to her job and I’ll definitely work with her again in the future. Thank you Kristin!

    Reply
  32. Jagpreet Mukker
    Jagpreet Mukker on April 20, 2022 at 3:41 pm

    Kristen was on top of everything all the time. She offered the best solutions and scenarios for the client and did not look at what would make her the most money. She is honest and hard working. I would highly recommend her and will definitely use her again in the future.

    Reply
  33. Gary Hill
    Gary Hill on April 20, 2022 at 3:42 pm

    Kristin made the entire refinance experience quick and easy.

    Reply
  34. Angela Davis
    Angela Davis on April 20, 2022 at 3:42 pm

    Kristin was extremely helpful and worked diligently to make sure my loan process went smoothly. She was kind and always provided feedback in a timely manner. I would highly recommend her to help anyone who is looking for financing!

    Reply
  35. Cory Bessey
    Cory Bessey on April 20, 2022 at 3:43 pm

    I appreciated her communication and ability to always help me. No question I asked was too small. Kristen is a true professional and she made a situation that I had no experience in very comfortable and easy.

    Reply
  36. Wei Wang
    Wei Wang on April 20, 2022 at 3:43 pm

    Kristin is very friendly and helpful, the transaction is very easy and fast.

    Reply
  37. Gary Moran
    Gary Moran on April 20, 2022 at 3:44 pm

    She was amazing, patient, and always working. Awesome person.

    Reply
  38. Nolan Mills
    Nolan Mills on April 20, 2022 at 3:45 pm

    She did a great fob of answering all of our questions. Kept us informed of progress.

    Reply
  39. Laura Friesen
    Laura Friesen on April 20, 2022 at 3:45 pm

    Kristin was great to work with. Everything was quick and easy. If I had any questions, she was always available.

    Reply
  40. Paul Awad
    Paul Awad on April 20, 2022 at 3:46 pm

    Kristin was very organized and on top of everything. We were able to start and finish the entire process quickly and easily.

    Reply
  41. Tiffany Ybarra
    Tiffany Ybarra on April 20, 2022 at 3:46 pm

    She explains everything every well and always makes sure you fully understand before she leaves or gets off the phone.

    Reply
  42. Anthony Ybarra
    Anthony Ybarra on April 20, 2022 at 3:47 pm

    Kristin was able to make my wife and I feel very comfortable and at ease with the whole process. I highly recommend Kristen.

    Reply
  43. Maribel Camarena
    Maribel Camarena on April 20, 2022 at 3:47 pm

    Kristin is friendly and goes above and beyond. She makes you feel heard and supported.

    Reply
  44. Loretta Anders
    Loretta Anders on April 20, 2022 at 3:48 pm

    Kristin reviewed all available options and secured the best possible loan. She presented several options. She was very responsive.

    Reply
  45. Marco Camarena
    Marco Camarena on April 20, 2022 at 3:49 pm

    Kristin was great. She answered our questions in terms we could understand and was patient. She was available when we needed her and gave us great advice.

    Reply
  46. Jordan Christensen
    Jordan Christensen on April 20, 2022 at 3:50 pm

    This is our 3rd or 4th transaction with Kristin. We love her! We continue to work with her because she communicates well and is quick to respond to any questions or issues that arise. We need more people in society like her. People who do what they say they are going to do and enjoy their profession.

    Reply
  47. Elinor J Erickson
    Elinor J Erickson on April 20, 2022 at 3:53 pm

    Kristin was very responsive, fast with the transaction, and kind and courteous. Thank you Kristin for making this transaction so easy and for all of your help!

    Reply
  48. Estevan Martinez
    Estevan Martinez on April 20, 2022 at 3:55 pm

    Kristin was easy to communicate with, she answered all of our questions. She worked hard to meet our closing date goal in fact she was able to help us close several days early. We appreciate all her hard work Thank you Kristin and summit funding team. Our home buying experience was great.

    Reply
  49. Henry B Moore
    Henry B Moore on April 20, 2022 at 3:56 pm

    Everything went great.

    Reply
  50. Brian Brown
    Brian Brown on April 20, 2022 at 3:57 pm

    Flexibility and adapt to changes.

    Reply
  51. Kenneth Friesen
    Kenneth Friesen on April 20, 2022 at 3:58 pm

    You are very knowledgable and very helpful. You were diligent about making sure we understood the loan process. You answered all of our questions. Thank-you, Kristin! You made the refinance process smooth and easy.

    Reply
  52. James W Jakobs
    James W Jakobs on April 20, 2022 at 4:07 pm

    Everything was completed in a timely manner. I was only asked for documentation at the time it was needed to keep the process going which saved me time and energy – I didn't have to duplicate efforts. A very flawless transaction.

    Reply
  53. Gerald Dean
    Gerald Dean on April 20, 2022 at 4:08 pm

    Kristen was great through the whole process!

    Reply
  54. Kevin Sciutto
    Kevin Sciutto on April 20, 2022 at 4:08 pm

    Kristin made the process very simple. She was willing to take time explain everything. Additionally, she was easy to stay in communication with, set clear expectations, and had great follow through.

    Reply
  55. Gurpinder Uppal
    Gurpinder Uppal on April 20, 2022 at 4:09 pm

    Communication and how quickly how everyone worked together was great!

    Reply
  56. Baylen Trafton
    Baylen Trafton on April 20, 2022 at 4:10 pm

    Kristin is a pro and her team will take care of you!

    Reply
  57. Rachael Awad
    Rachael Awad on April 20, 2022 at 4:11 pm

    We have had some horrible experiences with lenders. My husband was very leery to start the process of refi because of bad experiences. We put our trust in Kristin and her team to do our refi, not only were they able to do it, they way over provided. They got our refi done in two weeks and 6 of those days are mandated waiting days. Super easy to work with. Amazing service. Amazing process. I would highly recommend her to Anyone asking. She made my husband a believer in lenders again.

    Reply
  58. Sarah Wright
    Sarah Wright on April 20, 2022 at 4:11 pm

    Kristin Lucas is what made it great! Friendly, professional service. Excellent communication, checking in, and updates. Quick responses to questions and requests. Kristin and her team, Missi and Sherry in particular, made it a very personal experience; I never once felt like a file on the desk/computer. This team got my loan funded well before the 30-day deadline.

    Reply
  59. Kayleigh Moranda
    Kayleigh Moranda on April 20, 2022 at 4:12 pm

    Kristin made the process very easy and was very helpful!

    Reply
  60. Patrick Beggs
    Patrick Beggs on April 20, 2022 at 4:12 pm

    Process was quick and efficient. Good communication. I asked for specific items for my loan and it was accomplished immediately. Very friendly service and knowledgeable.

    Reply
  61. Randall Vogt
    Randall Vogt on April 20, 2022 at 4:13 pm

    Kristin was professional, informative and available throughout the entire process. She was attentive to our questions and needs and made the entire process from pre-approval to funding go very smoothly. I highly recommend Kristin and her team!

    Reply
  62. Rob Solley
    Rob Solley on April 20, 2022 at 4:14 pm

    Kristin and the entire team were real pros from start to finish. They communicated well on a complicated refinance and made the process as easy as possible. I look forward to working with this team again in the future.

    Reply
  63. Richard Nichols
    Richard Nichols on April 20, 2022 at 4:15 pm

    "It's easy, Kristin and the staff at their office.
    My wife and I felt like we were working with family.
    What a well ran organization, with truly caring and sweet people.
    Sadly, we had to close escrow and miss them.
    They are the most quick and efficient lending staff I have ever had the experience of working with. Others have been like pulling teeth.
    I have not exaggerated in any way on the evaluation
    "

    Reply
  64. Chad Pokorny
    Chad Pokorny on April 20, 2022 at 4:16 pm

    Always on top of it and bent over backwards for me and always kept me in the loop very kind and great to work with and got my loan closed days early than expected less than 30 days

    Reply
  65. Jacqueline Hogan
    Jacqueline Hogan on April 20, 2022 at 4:16 pm

    Kristin and Missi made our home refinancing experience smooth and easy.

    Reply
  66. Gerardo Lopez
    Gerardo Lopez on April 20, 2022 at 4:17 pm

    Kristin is very professional and gives great information step by step. I never had to worry what was going on!

    Reply
  67. Kendra Hedden
    Kendra Hedden on April 20, 2022 at 4:18 pm

    Kristin made the process seamless! She was very easy to get in touch with and always to quick to respond any time we reached out. She is extremely kind and professional. Highly recommend! Thank you, Kristin!!

    Reply
  68. Sherry Taylor
    Sherry Taylor on April 20, 2022 at 4:19 pm

    Kristin was absolutely awesome! I will tell all about her!

    Reply
  69. Harmandeep Kaur
    Harmandeep Kaur on April 20, 2022 at 4:20 pm

    "Kristin went above and beyond. Through the beginning to an end she made sure we were the priority, even during her maternity!!!! She was extremely pleasant and professional, always responded to every phone call, email and text instantly. My husband and I really enjoyed working with her. She helped make our first home purchase a positive experience and I highly recommend her for anyone looking to buy a house! We want to thank Kristin and her team for an amazing experience!!!"

    Reply
  70. Candice McEnroe
    Candice McEnroe on April 20, 2022 at 4:21 pm

    Working with Kristin was a great experience. She was everything I needed her to be for my first home purchase. Kristin was available to me any time of the day. She is knowledgeable about loan types AND assistance programs. She communicated this information with me clearly and patiently and answered all of my questions in the same manner. She gave me quite a few options and for each, explained the pros and cons honestly. I have already referred 2 people to Kristin and will continue. THEE BEST!

    Reply
  71. Jerry Murray
    Jerry Murray on April 20, 2022 at 4:21 pm

    Kristin was very easy to work with and did a great job, helping us through the process all the way to the completion. Wonderful to work with.

    Reply
  72. Brenden Olsen
    Brenden Olsen on April 20, 2022 at 4:22 pm

    Kristin, was very organized and spent a lot of time explaining every step of the process. She is a true professional.

    Reply
  73. Jose Ibarra
    Jose Ibarra on April 20, 2022 at 4:22 pm

    Kristen was great even though she went into labor half way through our search! She referred us to someone that was just as great as her, thank you Kristen for all your help

    Reply
  74. John Flores
    John Flores on April 20, 2022 at 4:23 pm

    Kristin is the best!

    Reply
  75. Jordan Christensen
    Jordan Christensen on April 20, 2022 at 4:24 pm

    Kristin was on top of everything. She was so amazing and made our loan process seamless! In our world today, people who do what they say they going to do is very uncommon. Kristin was the epitome of that statement. She always did what she said she was going to do. She was always available when I had questions and always responded promptly. Our loan process was very smooth and effortless because to Kristin!

    Reply
  76. Jon West
    Jon West on April 20, 2022 at 4:24 pm

    Kristin was a pleasure to work with. She kept us informed throughout this entire process. She cares about her clients and we appreciate that!

    Reply
  77. Jacob Guerra
    Jacob Guerra on April 22, 2022 at 10:49 pm

    Kristin was great. She was with us every step of the way. She was always available To answer questions anytime that we needed and kept us updated at every step.

    Reply
  78. Nicholas Palladino
    Nicholas Palladino on April 22, 2022 at 10:49 pm

    Kristin took care of everything for me while I was working 70+ hours a week. She is honest and trustworthy.

    Reply
  79. Maribel Camarena
    Maribel Camarena on April 22, 2022 at 10:50 pm

    Kristin went above and beyond to help my husband and I through the process of obtaining a loan for our first home. She was accommodating and made our experience personal.

    Reply
  80. Jason Mendez
    Jason Mendez on April 22, 2022 at 10:50 pm

    Was very easy to work with did a great job was on top of everything and made my experience very easy thank you very much see you on my next property thank you!

    Reply
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