First Responders | Law Enforcement | Teachers| Military | Firefighters | Health Care
Kristian Lawton
Originator Assistant - PMA NMLS# 1580664
[email protected]
602-918-5601
With over a decade of experience Kristian is an integral part of a top ten women in business team and top ten percent of loan originators per Scotsman Guide. She started from the ground up until she became licensed to originate and support her team as well.
With her help, her team continuously ranks high in not only originations but overall customer satisfaction. She advocates for the first time homebuyers and those in need of homeownership in her state.
Kristian is an Arizona native and has been featured in local periodicals for her teamwork and philanthropy in the community she serves. Being the daughter of a public safety officer and high-ranking military official, her compassion for those in need shows.
“I am honored to have my daughter walk in my footsteps and carry on the legacy of the Lawton Scott Team. I am proud that she shares the commitment to her clients and community that our team is founded on” LLS
Kristian is a newly wed and recently purchased a new home in the development she supports in fact; on moving day, many of her clients showed up to help celebrate!
We are proud to serve our Armed Forces!
VA
If you’re a veteran or active-duty military member, you have access to VA home loans. This loan, which is guaranteed by the US Department of Veteran Affairs, has allowed many Veterans and servicemen and women the opportunity to have a home of their own.
VA loans carry a wealth of advantages over other types of home loans, making them an ideal choice for anyone who qualifies. This team has a soft spot for those men and women who served, ask your team about special financing offers exclusively offered by Nations Lending Corporation!
Your Service is your Down Payment!
Calling all heros!
It is necessary to recognize and appreciate the hard work of all those who strive to make a positive impact in our local communities. These everyday heroes sacrifice their time and energy to ensure the safety, health, education and growth of our great state. Please ask your team about our Hero program and let us thank you for your service! First Responders, Law Enforcement, Teachers, Military, Firefighters, and Health Care.
A Veteran Story
Reverse done right™
A common took to alleviate payments and/or debt is through the use of a Home Equity Conversion Mortgage (HECM). This amazing tool can also be utilized for purchasing your retirement home. Let us show you how home equity solutions from Nations Lending Corporation may help you build a better future and achieve financial independence.
Is it time to start that well-deserved retirement?
Divorce
Consumer Protection is at the Heart of all We Do –
Going through a divorce is unsettling at best. It is imperative to work with a team that has earned the designation of RCS-D ™ – By using a trained team of mortgage professionals and industry leaders, there is the right way to work with family lawyers, mediators, and accountants/financial professionals BEFORE divorce mediation | trial | collaborative practice to prevent financial and legal mistakes with the house that ruin families, finances, and futures.
My team is highly recommended by clientele and family law specialist, ask how we can help –
Down Payment Assistance:
If you’re thinking about buying a house and have never bought one before, you might be wondering how much money you need to buy a home. Most prospective homeowners understand that there is a bit of an initial investment, but are completely unaware of how much cash is needed to buy a house. Of course they know they need to have cash on hand for a down payment in most circumstances, but there is more required than just the down payment when it comes to buying a home. So how much money will you really need? Here are the primary up front costs associated with buying a home:
Down Payment Funding/Fees:
Most types of home loans require a minimum down payment of 3.5% of the purchase price on a home unless you’re doing USDA or VA financing. Even then the benefits of utilizing a down payment assistance program can help. With so many options available let us help guide you through the process.
Arizona Home Plus mortgage program has been updated to offer a greater variety of opportunities to Arizona home buyers who need down payment assistance. These expanded options include different down payment amounts, higher maximum loan amounts and income limits, different loan programs and different qualifying criteria.
The Arizona Home Plus home loan program is popular because the funds have been consistently available over the past few years. As such, many people in Arizona have been able to achieve the pride, stability, freedom and wealth that accompanies home ownership. The assistance program is structured as a three-year, no interest, no payment, soft second mortgage, forgiven monthly at a rate of 1/36 over the term of the lien. Once again, the lien is completely forgiven after you stay in the home for three years without refinancing. This type of lien is sometimes referred to as a silent second mortgage because you do not have to pay interest or make payments. Money from the Home Plus assistance is combined with government-sponsored mortgage programs and can be used for down payment and/or closing costs equal to as much as 5% of the mortgage loan. The path to homeownership starts here!
APPLY ONLINEWhy Nations Lending?
We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.
Attention to Detail
Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.
Experience
With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!
See what people are saying about us:
Loan Types
FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA
We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers
We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional
Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios
Jumbo
VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)
VA
Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance
USDA
BRANCH NMLS. 2470756 | 325 W. GURLEY ST. STE 202A PRESCOTT, AZ 86301 | 602-329-2950
