Your Loan Officer for Life’s Biggest Moves

Real Goals, Real Guidance

At the Krystal Stearns Team, we believe every great loan begins with great guidance. Whether you’re buying your first home, building something new, refinancing, or securing financing for your business, the right loan officer can make all the difference.

That’s where we come in. With access to more than 50 trusted mortgage lenders and a full range of loan products, we tailor every solution to fit your goals — not just the numbers. We bring clarity to the loan process, simplify decisions, and walk with you from that first question to final approval.

Based in Colorado and licensed in 43 states, the Krystal Stearns Team proudly serves homeowners and business owners nationwide. Wherever you’re located, we’ll help you make your next financial move with complete confidence.

The Right Loan Officer Can Make All the Difference

Experience You Can Trust

With thousands of loan applications successfully closed, we know what it takes to make the loan process efficient, transparent, and simple. Every client receives the same dedicated care, from first-time buyers to seasoned homeowners and business owners.

Options That Empower You

Our partnerships with 50+ financial institutions and mortgage companies give us the ability to shop rates and programs that fit your lifestyle. Whether it’s a home purchase, construction loan, or home equity loan, we’ll find what works best for you.

Support That Stays With You

From initial consultation to underwriting and closing, we’re here every step of the way. We’ll explain, educate, and advocate so you understand your loan approval and feel confident in your choices.

About Us

Your Partner in What’s Next

At the Krystal Stearns Team, we believe every financial journey deserves a foundation built on trust. From home purchases to land and construction loans, we help clients move forward with confidence, offering guidance that’s personal, transparent, and deeply experienced.

With a network of more than 50 mortgage lenders, we combine big-picture resources with a small team-feel. We handle underwriting and processing in-house for faster turnarounds and clearer communication, giving you both precision and peace of mind.

We were founded on the values that drive every great partnership:

Integrity. Honesty. Community. Trust. Loyalty. Passion.

These aren’t just words; they’re the standard we live by in every conversation, every relationship, and every loan we close.

Lenders to Choose From

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Thousands of Loans Closed

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" Excellent Loan Experience! My out-of-state home purchase was smooth and stress-free thanks to Krystal's Stearns Team incredible loan team. The terms were competitive, communication was clear, and every step was handled with professionalism and care. I couldn’t have asked for a better experience — highly recommend!"

- Bianca P.

Connect With Us

Let’s make your next financial move a bold one.

Frequently Asked Questions

Your Questions, Answered

Whether you’re exploring home loans or are just wondering where to begin, we’re here to make the lending process less intimidating and more transparent. Below are answers to some of the most common questions we hear from clients — and if you don’t see yours, we’re always happy to help!

What types of loans do you offer?

We provide mortgage loans, home equity loans, land loans, construction loans, and refinancing for new and existing homeowners, as well as for business owners.

How does the loan process work?

After reviewing your financial information and credit rating, we match you with the right loan officer and loan products. From underwriting to closing, our team handles every step.

Are you licensed outside Colorado?

Yes! We’re based in Colorado and licensed in 43 states, serving clients nationwide.

Do you offer pre-approvals?

Yes! Pre-approval helps you understand what you can afford and strengthens your position when making an offer.

What is the easiest mortgage loan to get approved for?

The “easiest” loan depends on your situation. For many borrowers, FHA loans are accessible because they allow lower credit scores and smaller down payments. But the right fit depends on your financial situation. We’ll help you find the best loan that suits you.

Do you only work with homeowners?

No! While we love helping people buy and refinance homes, we also assist with land loans, construction loans, and other types of lending. Whether you’re a first-time buyer, property investor, or developer, we can help you find financing that fits your project.

Is it hard to get approved for refinancing?

Not at all. If you already own property, refinancing is often straightforward. Whether your goal is to lower payments, access equity, or fund new projects, we’ll make sure the process is efficient and transparent.

Three Easy Steps to Secure Your Loan

Connect

Schedule your first conversation with our team and tell us about your financial goals.

Customize

We’ll review your financial information and present the best loan products for your needs.

Close

Enjoy a smooth, supported closing process, and start your next chapter with confidence.

Take the Next Step Today

Every big move begins with a first step. Whether you’re ready to buy, refinance, or just explore what’s possible, Krystal Stearns Team is here to guide you.

Because every great journey starts with the Krystal Stearns Team. Reach out today, and get connected with a loan officer!

Have Questions? Let’s Connect.

Great decisions start with good conversations. Whether you’re exploring your first loan application or ready to move forward on a new project, we’re here to guide you every step of the way. Get in touch with us today, and get connected with a loan officer who can answer all of your questions!