Kristeen “Kris” McGinity brings more than 20 years of experience in the mortgage and real estate industry, with a background that spans underwriting, loan operations, and closing coordination. Her well-rounded knowledge of the lending process helps keep files organized, efficient, and moving smoothly for both clients and the Coast team.
Kris is known for her attention to detail, strong work ethic, and team-first mindset. She’s passionate about helping create a seamless experience from application to closing and supporting the people around her.
Originally from California and now living in Washington, Kris is a proud mom of three adult children and grandmother of five. Outside of work, she enjoys staying active, attending live concerts, and cheering on her favorite sports teams. She’s also a breast cancer survivor and is passionate about supporting awareness and fundraising efforts in her community.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
