Kristi Gibb
Loan Officer · NMLS #1737567
Loan Officer · NMLS #1737567
Here’s what buyers, homeowners, and agent partners say about working with us.
Kristi just helped my wife and I purchase our home in Weber county, Utah. As a 100% disabled Veteran using a VA loan, Kristi was very knowledgeable about the VA loan process and her communication was incredible. I would highly recommend Kristi for any Veteran trying to get a VA home loan, she is second to none. Thanks a bunch for getting us into our home.
Kristy Gibb and her team helped us to get a VA loan in Weber County Utah for my self and my husband who is a 100% veteran disability recipient. She made the whole process seamless and so comfortable. She went way above and beyond any thing that was expected and continues to do so. I cannot recommend her highly enough Kristy and her team are absolutely amazing. Thank you so much for all you did to help us get into our home.
Kristi was awesome to work with. She communicated the entire process with everyone involved. She followed up and it was exceptionally helpful. She was always there if there were questions or problems. I highly recommend.!
Kristi is an exceptional veteran focused mortgage advisor. She is extremely knowledgeable about the VA home loan and really goes out of her way to protect her clients and ensure they are getting both great service and financing to meet their needs. I would highly recommend Kristi to help military families looking for trusted guidance.
Kristy is very knowledgeable. She would always respond to my questions promptly. Would absolutely recommend her if you're trying to buy a home.
Hands down, the best in the business! Kristi is very honest and dedicated to her clients. The care and expertise she provides ensures that her clients are set up for success! We would not have been able to buy a home in the timeline we needed had it not been for Kristi and her team. As a veteran, having Kristi who is well versed in the VA loan, gave us the comfort that we needed. She literally is the best!
Kristi was so great to work with. Such good and clear communication throughout our process! Would recommend every time. Thank you for your hard work and efforts Kristi!
BEST LOAN OFFICER! Kristi was very blunt and honest with what my wife and I had to accomplish to get everything ready to purchase our home. Communication was fantastic and she truly cares about the people she is working with. We couldn’t have had a better team to get us there! Thank you again!
Extremely knowledgeable and helpful!
Extremely helpful and knowledgeable!
Kristi and her team were professional,kind and made the process easy.
Kristi is a hard working and dedicated M.L.O. She is the best at what she does.
Kristi Gibb, our mortgage partner made the entire process smooth and stress-free. Every step was clearly explained, and Kristi’s responsiveness gave us confidence we were in good hands. We felt supported from beginning to end, and we’d recommend Kristi Gibb to anyone looking for a flawless experience (one to be forever grateful about) and reliable, professional mortgage partner. Thank you, Kristi!
Kristi was amazing to work with! She made the whole loan process simple and stress-free, always kept us updated, and helped us get into our new home. Couldn’t have asked for a better loan officer!
Kristi has busted her butt for us and I know she’ll continue to work hard to get us what we need.
She is hands down the best
They were extremely thorough in all their dealings and we able to resolve all of the possible issues that were raised. Each item covered was well explained and the knowledge exhibited was extremely helpful for all of the work done. The were also able to get us to closing in a very quick time and all of the outstanding items were covered.
Kristi is super easy and great to work with. We are gist time home buyers with endless questions and she takes time to break things down in personalized videos. Along with over the phone walk through. Didn't matter week day weekend or late evening. She has our recommendations. Thanks kristi.
Kristi was very responsive and wonderful to work with. She was able to get us a low, locked in, rate during a super short window before rates climbed back up. Her attention to detail and strive to help her clients was on full display there. She routinely follows up and keeps me informed on a very nice routine basis. Highly recommend working with her.
Working with Kristi was a wonderful experience. She made everything so easy and responds at the drop of a hat. Her and her team are very motivated to not only help you close on the house but ensure that you are happy. I will always recommend her and her team to anyone looking to buy a home in Utah.
Kristi and her team her absolutely fabulous to work with. I wasn’t an easy client and definitely threw some curve balls at them and they came through with flying colors. Sincerely, I felt like a person rather than just another account, and they went out of their way to help me in my unique situation. I would 100% call Kristi again!
Kristi and her team were absolutely fabulous to work with. I wasn’t an easy client and definitely threw some curve balls at them and they came through with flying colors. Sincerely, I felt like a person rather than just another account, and they went out of their way to help me in my unique situation. I would 100% call Kristi again!
Very knowledgeable and motivating. Made the process very easy and straightforward.
Kristi was fantastic to work with. She was knowledgeable and available to answer any and all our questions. She helped us understand the VA loan process and was there with us the entire process in our corner making sure we were able to close on time. I would definitely recommend her to anyone that is looking to buy a home. Thank you Kristi
Working with Kristi was absolutely amazing. She was incredibly knowledgeable about every aspect of every question and concern we could have thought of throughout the entire home-buying process. We could not recommend her more. Kristi was especially helpful in explaining and executing process of buying a home using the VA Loan. We would give her 6 stars if we could.
Kristi was great. She took the time to take care of me and the family. She got us the best available rate, initially and then locked in a lower rate before closing. She was constantly communicating what was going on, highlighted the most important information, while explaining the details in an effecitve and timely manner. After purchasing this home, my third in total, I do not believe I could have been afforded a better mortgage officer
Kristi is so knowledge about what she does! She helped up buy our first home and we could not be more thankful for her help. She is great at explaining everything and catering it to your understanding. She even went beyond her role when she saw our insurance rate was a bit high and helped us find a lower rate.
Kristi went out of her way to help us close on a house! Highly recommend Kristi!
Kristi & her team are absolutely amazing to work with. I will never use another lender for any future home buying endeavors. Her knowledge is second to none & they go above and beyond to make everything as easy for their clients and as smooth as possible. Everyone tells you how stressful buying a home is, I can tell you Kristi and her team made it stress free. Thank you so much Kristi.
Kristi helped us along every step of the way. She took the time to explain things when we didn't understand and she was patient with us in the process. She kept us informed throughout the process. I recommend Kristi to anyone looking to buy a house.
By far the best, most responsive and reliable broker I have ever worked with. I have purchased homes in several states across the country and Kristi blows everyone I have worked with out of the water. She was always available when I needed her, got me a great rate, and provided detailed instructional videos for every step of the process. Having a local lender who would call and talk up my offer gave me the advantage I needed to get a home in this market. I'm very pleased with my experience working with Kristi.
Recently I had the pleasure of being the listing agent on a transaction for one of Kristi's buyers. Kristi was exceptional at communicating with me - it is very common for the lender to only communicate with the buyers agent - but Kristi made sure I was informed every step of the way. She definitely was a major contributor in the success of the transaction and I look forward to her being the lender on another real estate deal soon!
Kristi was fantastic to work with! Her availability and clear communication made the entire process seamless. She consistently provided timely updates, giving my clients a peace of mind and making my job that much easier. Recommend 10 out of 10! Thanks for your hard work Kristi!
Kristi and her team are amazing! Great communication, streamlined process with quick response times. She successful closed a loan start to finish in 2 weeks! I definitely recommend her and her team!
So helpful and thorough! Couldn’t have bought my first home without Kristi’s help!
Kristi is always a professional and her ultimate goal is and always has been clear and consistent communication all while being an advocate for everyone she helps. She is pleasure to work with and will always go the extra mile for anyone she helps.
Kristi is a real pro! She is kind, knows her business inside and out, and always serves her clients to the best of her ability. You can’t go wrong getting your mortgage from Kristi!
A very decent, and hard working person. She is a very enthusiastic, good-willed person. She will do what it takes for you to succeed.
It's important to choose a lender that will help you find the loan program that's right for your budget, and not try to sell you a mortgage that's more than you can comfortably afford. And that’s what Kristi has done for my clients she makes sure the loan fits their budget.
Kristi is great to work with. Very knowledgeable and knows a lot of options to help my clients get the terms that work best for them. Love working with her.
Kristi is a ROCKSTAR. SHE HAS SO MUCH PASSION FOR HER JOB AND WILL GO THE EXTRA MILE. SHE LOVES OUR VETS, has an abundance of knowledge and experience in VA LOANS. #VAMORTGAGELENDER
I’ve been able to work with Kristi on several transactions. She always works extremely hard to make sure each client is taken care of specific to their needs. She always shows how much she cares about each person with her dedication to the transaction!
Very happy with Kristi. She’s always willing to help. Super informative and helpful! Definitely recommend!!!
Kirsti is one of the best lenders if the buisness who is always on top of it and always provides great knowledge to my clients. If you’re a first time home buyer or buying your second. Highly recommend talking to her!
Kristi is one of the most knowledgeable VA Mortgage Brokers in Utah. Along with having the highest of highs in Professionalism and Integrity you cannot go wrong with Kristi on your side. Reach out to her and you will not be disappointed.
Kristi helped my friends get pre approved for a VA mortgage in a couple of hours on a Sat afternoon so I could help them make an offer on a house in American Fork. They are in CA. I was busy the afternoon and evening and my friends are retired a a bit computer challenged. She hung in there and walked them through every step of the way. So they were ready to go by the time I had the offer ready. She is also very knowledgeable about every aspect of VA loans and teaches a great class for those agents, buyers, or sellers who would like to lean more!
Kristi is amazing to work with! She keeps you informed every step of the way and has a plethora of tools to make the financing process easy to follow through!
Kristi is absolutely amazing. Her knowledge, experience, energy and communication surpass expectation! I would recommend Her for your mortgage/refinance needs.
Kristi is incredibly knowledgeable on all things mortgage loans. Especially VA loans!
Kristi is the kind of person that will go to any lengths to help you succeed. She is honest, funny, so knowledgeable, and will help you achieve your home-ownership dreams. Call her, you won’t regret it!
Kristi is hands down the BEST loan officer that I have had the privilege of working with. She is knowledgeable and dedicated to her clients and getting them the best deal on their loans. She is very responsive and has systems set up that allows clients and real estate agents to be educated and stay up to date about the loan process. She is my go-to lender! Thanks for always taking care of my clients!
I attended Kristi’s VA class at the VFW in Layton and was impressed with her knowledge and passion for our Veterans.
Kristi Gibb is a very smart and hard working representative. She has done such an amazing job helping me get into a home.
Kristi is awesome. She’s been helping me for the better part of 3 years now while I’ve been trying to find a house. I finally found one and she was helpful every step of the way. If I could give her specifically 10 stars, I would
One of the best in the business! I've personally watched Kristi grow throughout the years as a loan officer and have seen her become a huge advocate for our veterans. I cannot recommend her enough! 🇺🇸
Kristi is efficient, fast, meticulous! She holds the qualities that a buyer wants in a lender. Thanks Kristi!
Kristi works hard and is very knowledgeable. She was great helping us get approved for our VA loan. She follows up and is a clear communicator. We recommend seeing her if you need a helpful and friendly loan officer who works pretty quickly and doesn't leave you hanging. Thank you, Kristi!
Kristi was such an incredible help when we were looking at refinancing our mortgage. At first I wasn’t sure it would be a great option for us, but Kristi was able to work an option that lowered our total monthly payments and reduced the time we would be paying off our mortgage. She was great to work with, helpful, and knowledgeable.
Kristi worked tirelessly in getting all of our refinance done. We had a mess to deal with from previous refinance and she was able to get it sorted out and us approved with an amazing rate! She is knowledgeable about the different types of loans and knows the right people to make it a painless experience. I work highly recommend her to my closest family and friends.
Kristi made our re-fi so easy. She presented up with options, and valuable information to help us make a confident decision. Then she managed the process flawlessly
Kristi has been a great help with all my lending questions! She is very knowledgeable when it comes to the different types of loans and market information. She’s a good friend and very understanding! I recommend Kristi if you are looking for a loan officer.
Kristi is efficient at her job. As a real estate agent for over 18 years, I’ve worked with many loan originators and Kristi is top notch! She updated me throughout the entire process with our Buyer and we closed early.
We don't want to refinance ever again. But, that is good news. We were able to get all of our difficult questions answered and a fabulous low rate with Kristi Gibb. She was so on her game in this market and worked so quickly that we were able to get 2.625%!! and we are so grateful. Give this lady a new office chair, or a raise! She deserves it!
Kristi is exactly the professional who made all the difference in my home refinancing. She is knowledgeable, responsive, and an incredible advocate!
Got us our into new house, even after so much searching & so many roadblocks. She never gave up on us & made it happen
Kristi Gibb was extremely professional and efficient. She worked hard to make my home buying experience very easy. I would highly recommend her services!
Kristi Gibb is by far the most professional loan officer I have ever worked with. She has helped several of my real estate clients achieve their dream of owning a home! She always makes herself available when needed and gets things done quicker than I have ever seen. I wish there was a “10 Star” option!
Very detailed, very quick to answer any all questions (even if you think it's stupid) . Also very kind and patient with you and the process, definitely kept me calm.
Kristi is really dialed in to all current trends happening in the market. She creates great videos to help both buyers and sellers understand the lending process and is a great communicator. She is a top notch loan officer.
10/10 would recommend! Kristi was detailed oriented and answered all my questions. She is trustworthy and helpful. She helped make my first time buying experience a breeze.
Kristi is PRECISELY the person you want. She’s kind and generous and knowledgeable. I’m serious, my life is better having met and worked with her.
Highly recommend Kristi! She's incredibly knowledgeable, always responsive, and wonderfully friendly. Thanks to her, I've not only found a reliable friend but also built a great friendship!
I have known Kristi since we were BFF preschoolers living in the same military base housing complex. She has been a wonderful friend our entire lives. I’m so glad she is in the world making it a better place.
Kristi is super knowledgeable and helpful! She's always happy to help any way she can, and is a great help to my clients. She's also a great communicator! I've been a realtor for over 9 years and am picky with who I refer my clients to! I highly recommend Kristi!!
We loved using Kristi as our broker when purchasing our first home. She was very knowledgeable with different loan options and guided us through what was best for us. I appreciated Kristi’s patience and care throughout our entire home buying process, and will definitely use her again for our next home.
Kristi is amazing! She helped us refi an old loan years ago and recently helped us get into our dream home! She goes above and beyond for all of her clients 24/7!
Kristi is a true professional! She is very well versed in the mortgage industry and especially in VA Loans! She’s trustworthy, loyal and fights for her clients. I highly recommend Kristi with what will be the largest purchase of your life! Kristi will do an amazing job for you!
Kristi has been a great resource for me and my clients, specifically with VA loans. With so much mis-information about lending/ VA benefits, it is comforting to have her expertise and guidance!
I have known Kristi personally for over 2 decades. Kristi is genuine in every sense of the word. She’s honest and she cares deeply. I would trust her with my business and I wouldn’t hesitate to recommend her to anyone else.
Kristi Gibb was truly a blessing. There were no fiery hoops that she did not jump through nor hurdles she did not clear with her unwavering determination and boundless efforts. Her dedication in ensuring that our needs were met was nothing short of a miracle. We were in a bad situation when we were introduced, however she never once let us doubt tjay we were in great hands. She's exactly who you need and want in your corner! She is absolutely an amazing person whose vocabulary does not include the words "quit" or "can't". I realize that this may sound exaggerated or inflated but I mean every word.
Absolutely amazing!!! Kristi Gibb helped us through every step of the process. She is very knowledgeable, professional and a master at what she does. I would highly recommend her to anyone who wants an amazing guide through this crazy market!
Kristi helped us get into our home, after a year of hard work, she guided us through the process of every thing (not just buying the house.) but also building credit & taking care of old debts. She always got back to us in a timely matter & always made sure we were in the loop when it came to our situation. I would highly recommend her for anyone looking to purchase a home!
Kristi is the best in the business. She is always wanting the best for her clients best interest. Gives details of what your options are and will not pressure you to make a decision. She works at your pace. Will clarify any terms or documents before signing.
Kristi is a rock star in the VA home Loan arena. I am amazed by her knowledge of the program and her dedication to our military members.
Kristi was awesome! She was always available when we had questions and made us a priority. I would definitely recommend her to anyone looking buy a home or refinance! She made our first home buying experience so much easier!
Kristi Gibb is an outstanding mortgager broker. She’s incredibly knowledgeable, professional, and always goes above and beyond to ensure her clients are well taken care of. Throughout my experience working with Kristi, I was impressed by her attention to detail and her thoroughness. She was patient with me and my clients and took the time to explain the mortgage process in a way that was easy to understand, which helped my buyers feel confident in their decisions.
What I appreciated most about Kristi was her responsiveness and communication. She was always available when we needed her, and she kept us informed every step of the way. Her friendly and approachable demeanor also made the experience enjoyable, and we knew we were in good hands from start to finish.
Kristi is an expert in her field and truly cares about her clients' success. Thank you, Kristi, for all your hard work and dedication!
Kristi goes far beyond the efforts of anyone we have ever worked with. Integrity and pride in her work are paramount in everything she does. She is amazing. Thank you Kristi!
Kristi Gibb is a trusted mortgage professional and VA lending expert in Utah - highly recommend!
Thanks Kristi! I learned a lot about VA lending and working with veterans.
Kristi Gibb is the most incredible person to work with. She helped me fully understand all my options and was there every step of the way asking questions. I would 1000% use her again and recommend her to anyone looking for a loan officer. She also had amazing knowledge of the VA loan, which can be incredibly confusing. She is invaluable and I am so glad we found her.
I would tell others that Kristi goes above and beyond what a typical loan officer might deliver. She was always available and followed up on every detail. She is a fantastic listener and provides timely, actionable information related to the loan and home buying experience. She immediately earned my trust and I knew I was in good hands from the very beginning of the home buying experience.
Kristi was amazing to work with. She made sure we understood what was happening and exactly what the process was. On top of that she made a point to reach out to us personally and that was just the sweetest thing!
Me being an agent, Kristi and her family started out as one of my best buyer clients many years ago and now she is one of my best lenders resources that I can pass onto my clients. Kristi’s knowledge and creativity can help any borrower navigate the lending world to find the best product for them and get the loan done correctly and on time. – Bill Spangler Berkshire Hathaway Utah properties
Kristi worked very hard to make sure we understood the process of refinancing our mortgage. She explained the numbers, and ultimately guided us to stay with our current lender, since they were offering such a killer deal. Kristi was great to work with and I would recommend her to others.
Kristi does an awesome job 😊 She answered all of our questions we love Kristi!❤️
Kristi is amazing! Very professional and has excellent communication throughout the entire home buying process.
Kristi and those at UMortgage did an incredible job getting us into our home! Kristi answered our endless questions we had as a first-time home buyer and was quick to respond and truly cared about our home buying experience.
Kristi has been a fantastic loan officer to work with, communication is easy, and she's quick to respond. Got a fantastic rate. We couldn't be happier with her.
Kristi worked diligently to help us close our loan. We had some unusual difficulties to overcome in closing the loan. Kristi worked overtime and sought answers to resolve the challenges. Our loan was closed in record time in order to meet the deadlines we were faced with. Kristi was very professional and personable to work with. She contacted us with frequent updates and answered questions in a timely manner. We would highly recommend Kristi to anyone seeking help financing a home.
I have used Kristi for two of our mortgages. She is great to work with. She helped us get our loan closed and without her I don’t think we would have been able to get our house in this crazy market. We will use her team for any of our future loans. Thank you Kristi, you are the best!
Kristi was very responsive and easy to work with. She has solid follow up and was clear on my options to help me make the best decision for my loan. Thank you.
Kristi is amazing because she knows the ins and outs of her field. She helped me find a great mortgage company and made it seem easy. If she didn't know an answer she found out. Very friendly and super honest.
Very good experience overall. Kristi is great to work with
Kristi and her team did an amazing job on my refinance! My rate is phenomenal! The entire process from start to finish was seamless and handled very well. I recommend everyone I know looking to refinance or purchase a home to Kristi and her team!
My mortgage was taken care of professionally and in a timely manner .
Amazing. The best team I have ever worked with. Kristi Gibb cares and she will do what is needed to try and make it happen. Life saver.
Kristi was personable and extremely transparent. She was efficient in answering our questions and we are thrilled with the outcome of working together!
Kristi has been terrific. She and her team not only met the dates, but finished sooner than required. Her professionalism outstanding. She communicated constantly with me and the Buyer. I'd recommend her!
Very responsive
Was excellent!
Kristi was personable, friendly, and most importantly; trustworthy.
N/A
Kristi Gibb was phenomenal. Very thorough, very professional, very patient, and very nice. Thanks a ton
for your help, especially when me made a big change towards the end of the process. You handled it without breaking stride. Grateful for your knowledge of the entire process. I’ll definitely refer y’all in the future.
Kristi and her team were incredible to work with. They were beyond friendly, easy to work with and got everything done so fast! I was able to do EVERYTHING on the computer or via phone calls. They answered questions quickly and in full detail. I would refer them to anyone and use them again without a doubt.
Kristi is one of the best Lenders I have worked with in Real Estate since I started 4 years ago. She always calls once a week to give an update on my files not only to me but to our clients. She is always amazing at explaining everything to my buyer and helping them find the best rate. I highly recommend using Kristi has your go to lender!
Kristi and her team were great throughout that process.
Very good experience. Kristi was very helpful, everyone was great to work with.
Kristi did an amazing job at helping me get approved and finding the best rates on my new home! Her and her team were amazing and I can’t thank them enough for all of the hard work they did and for making my first home buying experience so great!
Kristi is the best! She doesn’t make you wonder what’s going on with our Morgage like the “other guys” do. She’s quick at making things happen! She is a pleasant person to work with and really made us feel confident she was looking out for our best interest. We highly recommend her to our friends and family!
Kristi is highly professional and responsive.
Kristi is an amazing Loan Officer. We had a great Real Estate team, but my husband frequently comments "we only got this house because of Kristi." She got us the best rate, helped explain the ins and outs of a VA loan, and worked tirelessly to get us approved to buy our home. I know Kristi is also always doing trainings and classes to stay up to snuff on policies and procedures to get her clients the best results. She is so great to work with.
Kristi has been phenomenal to work with! Her communication is unsurpassed. She is the perfect combination of professional and personable. I highly recommend her and will continue to refer trusted clients to her!
Great service across the board! Loved working with Kristi and the team!
Kristi put through our refinance from an FHA loan to a traditional mortgage quickly. She lowered our interest rate and eliminated the PMI, saving us around $300/month.
Great experience with refinancing our home. Will definitely be using Kristi again in the future. She made everything so easy.
Kristi worked with us to get us into our dream home. She helped us to get a payment that worked for us. She was always so respectful and I’ve recommended her to friends who will Also be looking into getting into homes when they move back to Utah
Very helpful at every step of the process.
Kristi and her team were amazing. We were interested in refinancing our home but other companies wouldn’t return our calls. Kristi not only returned our call, she worked fast, made it extremely easy, and got us a great interest rate. We were extremely lucky to work with her. We would 100% work with her again!!
Kristi was amazingly responsive. She answered the phone when I called and her follow up was flawless. Working with Kristi was delightful.
I wish I could give Kristi 10 stars because I would. She was so awesome to work with, never got bothered by my million text or questions. Always putting my mind to ease and answering me back right away. I recommend her to anyone who is searching or selling because she is the best to work with. We looked at multiple homes and she always did the numbers for us she is just awesome. 🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟
Krista was very attentive, helpful, and knowledgeable! We loved working with her!
Kristi made the refinance of our home so easy. We will be using her again in the future.
Kristi is incredible at what she does! Incredibly knowledgeable about the industry and really here to help! She comes with my highest recommendation!