Welcome! I’m Kristi Norton, The Home Loan Mom, licensed residential mortgage loan officer (NMLS#2031002) working with boutique broker America’s Local Lender (NMLS#1569058), based in La Jolla, California. Choosing a mortgage loan officer can be overwhelming, but I offer a unique experience. My mission is to simplify the home loan process for buyers and their real estate agents throughout California. I specialize in making the process quick, painless, and stress-free, just like a mom would do. With The Home Loan Mom, you’re not just a client, you’re family. Check out my Google reviews and Instagram feed to learn more about me.

About America's Local Lender, LLC.

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at America’s Local Lender, LLC., we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan to meet your specific needs.

Financing a home is one of the biggest commitments you will ever make let us help guide you throughout the entire loan process from application to closing and beyond. We look forward to putting our mortgage service to work for you!

Get Your mortgage rate Quote

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I want my free mortgage rate quote