With over 20 years of experience, Kristy Gannon brings trusted expertise and a genuine passion for helping families achieve homeownership—even in the toughest situations. Known for her problem-solving approach and “no family left behind” commitment, Kristy delivers personalized mortgage solutions designed to support your dreams and your future. Whether you’re a first-time buyer or facing unique financial challenges, she’s here to make it happen.
Mortgage Advisor
NMLS #245918 DRE #01771805
See what makes working with Kristy and Ownity Mortgage Lending a great experience.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Conventional Home Loans offer flexible financing with competitive mortgage rates for borrowers who meet standard qualification guidelines. Whether you’re buying a home or refinancing, Kristy Gannon at Ownity Mortgage brings over 20 years of experience to help you find the right fit. With options for low down payments and no upfront mortgage insurance for qualified buyers, Kristy guides you through every step—making sure the loan works for your goals and your budget.
FHA Home Loans are a great option for first-time homebuyers and those with less-than-perfect credit. Backed by the Federal Housing Administration, these loans offer low down payment options and flexible qualification requirements. Based in California, Kristy Gannon at Ownity Mortgage specializes in helping clients navigate the FHA process with confidence. With over 20 years of experience, Kristy is committed to finding the right path to homeownership—no matter your financial starting point.
VA Home Loans are designed to help veterans, active-duty service members, and eligible military families achieve affordable homeownership. With no down payment, no private mortgage insurance, and competitive interest rates, these government-backed loans offer incredible value. Based in California, Kristy Gannon at Ownity Mortgage takes pride in serving those who’ve served us—making the VA loan process smooth, supportive, and stress-free from start to finish.
Jumbo Home Loans are ideal for financing high-value properties that exceed the limits of conventional loans. Whether you’re buying a luxury home or refinancing a larger mortgage, these loans offer competitive rates and flexible terms for qualified borrowers. Based in California, Kristy Gannon at Ownity Mortgage brings deep expertise to help you secure the right jumbo mortgage solution—making complex financing feel simple, clear, and customized to your goals.
If you’re self-employed, finding the right home loan shouldn’t be complicated. At Ownity Mortgage, Kristy Gannon offers personalized mortgage solutions tailored to entrepreneurs, freelancers, and small business owners. With access to alternative documentation loans, like bank statement mortgages, Kristy helps clients across California secure flexible financing that works with their income style—making your path to homeownership as independent as you are.
Non-QM Loans (Non-Qualified Mortgage Loans) are designed for borrowers who don’t fit traditional lending guidelines. Whether you’re self-employed, have non-traditional income, or need more flexible underwriting, these loans open the door to homeownership. Based in California, Kristy Gannon at Ownity Mortgage helps clients find the right non-QM solution—offering creative options and expert guidance to make your unique financial story work for you.
Bank Statement Loans are perfect for self-employed borrowers who want to qualify using bank deposits instead of tax returns. This flexible option allows you to show your true income through 12 to 24 months of bank statements. Based in California, Kristy Gannon at Ownity Mortgage specializes in helping entrepreneurs and independent professionals access alternative financing solutions—making it easier to secure a home loan that reflects your real earning power.
Investment Property Loans help you build wealth through real estate investing, whether you’re purchasing your first rental or expanding your portfolio. These loans offer competitive terms and are tailored for borrowers looking to generate rental income or long-term equity. Based in California, Kristy Gannon at Ownity Mortgage provides expert guidance to help you navigate the investment process with confidence—turning your real estate goals into reality.
ITIN Loans are designed to help non-U.S. citizens without a Social Security number achieve the dream of homeownership using an Individual Taxpayer Identification Number (ITIN). These loans offer flexible terms for borrowers with a solid financial history. Based in California, Kristy Gannon at Ownity Mortgage is committed to providing inclusive, compassionate lending solutions—helping families and individuals secure a home loan and build a future, no matter their background.
Refinance Home Loans allow you to improve your current mortgage with lower rates, better terms, or access to home equity. Whether you’re looking to reduce your monthly payment, switch loan types, or take cash out, Kristy Gannon at Ownity Mortgage offers clear guidance every step of the way. Based in California, Kristy helps homeowners make smart refinancing choices that support their financial goals now and in the future.
A Cash-Out Refinance lets you tap into your home equity by replacing your current mortgage with a new one for a higher amount—giving you access to cash for home improvements, debt consolidation, or major expenses. Based in California, Kristy Gannon at Ownity Mortgage helps you explore your options and unlock your home’s value with confidence. With over 20 years of experience, Kristy makes the refinance process clear, efficient, and tailored to your needs.
Renovation and Construction Loans are ideal for building your dream home or updating a property to match your vision. Whether you’re planning a major remodel or starting from the ground up, Kristy Gannon at Ownity Mortgage offers expert guidance and access to flexible financing designed for home improvements and new construction. Based in California, Kristy helps you turn possibilities into plans with personalized support every step of the way.
USDA Home Loans offer zero down payment financing for eligible buyers in rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans are a great option for low-to-moderate income borrowers looking for affordable homeownership opportunities. Based in California, Kristy Gannon at Ownity Mortgage helps clients determine eligibility and guides them through the USDA loan process with care, experience, and a commitment to making homeownership accessible.
First-Time Homebuyer Loans and Down Payment Assistance (DPA) programs are designed to make homeownership more accessible by offering reduced upfront costs, low down payment options, and even grant assistance. Based in California, Kristy Gannon at Ownity Mortgage is passionate about helping new buyers navigate the journey with confidence. With over 20 years of experience, she’ll help you explore affordable loan options that fit your budget and get you into your first home faster.
A Reverse Mortgage allows homeowners aged 62 and older to eliminate monthly mortgage payments, access home equity, and even finance their next home—all while continuing to live in the property they love. You can also refinance an existing reverse mortgage to improve terms or access additional funds. Based in California, Kristy Gannon at Ownity Mortgage offers compassionate, expert guidance through every step of the process. With over 20 years of experience, Kristy helps you understand your options and make confident, informed decisions for your retirement.
With over 20 years of experience in the mortgage industry, Kristy Gannon is a trusted Mortgage Advisor dedicated to helping families achieve the dream of homeownership—no matter their circumstances. Known for her solution-focused mindset and unwavering commitment to her clients, Kristy lives by the motto “No Family Left Behind.” From first-time buyers to seasoned investors, she brings clarity, care, and confidence to every step of the mortgage process.
Based in California and backed by Ownity Mortgage, Kristy offers a full range of home loan options—including FHA, VA, Conventional, Jumbo, Self-Employed, Reverse Mortgages, and more. Whether you’re navigating a complex financial scenario or simply want expert support you can trust, Kristy is here to deliver personalized solutions with heart.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Choosing the right mortgage advisor can make all the difference—and with Kristy Gannon and Ownity Mortgage, you get more than just a loan. You get a dedicated partner who truly cares. With over 20 years of experience and a proven track record of helping families across California, Kristy is known for turning even the most complex situations into clear, achievable outcomes.
At Ownity Mortgage, you’re not just a number. Kristy takes the time to understand your unique goals, offers personalized loan solutions, and walks with you every step of the way. Whether you’re a first-time homebuyer, self-employed, or planning for retirement, Kristy’s mission is simple: No Family Left Behind. That means honest advice, reliable communication, and mortgage strategies designed for real life.
Whether you’re buying your first home, refinancing, or exploring unique loan options, it’s normal to have questions. Kristy Gannon brings over 20 years of experience and is here to make the mortgage process as clear and stress-free as possible. Explore these FAQs to find the answers you need—and feel free to reach out anytime for one-on-one guidance.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
With over 20 years of experience, Kristy Gannon stands out for her deep industry knowledge, her hands-on support, and her unwavering belief that no family should be left behind in the journey to homeownership. She’s not here to push products—she’s here to listen, guide, and deliver the right mortgage solution for your situation, whether it’s a simple purchase or a more complex financial scenario.
Kristy is based in California and proudly serves clients across the state. Whether you’re in Los Angeles, the Central Valley, or anywhere in between, Kristy provides local insight and personalized mortgage solutions that reflect your area’s market.
Yes! Kristy is passionate about helping first-time buyers. She’ll walk you through Down Payment Assistance (DPA) programs, low down payment options, and ensure you understand the process every step of the way. Her goal is to make your first home purchase smooth, stress-free, and achievable.
Absolutely! Kristy specializes in helping self-employed borrowers and entrepreneurs who may not fit into traditional lending boxes. She offers solutions like Bank Statement Loans and Non-QM Loans, using alternative documentation to help you qualify based on your real income—not just tax returns.
Yes—Kristy offers a full range of refinance options, including rate and term refinancing, cash-out refinancing, and even refinancing an existing reverse mortgage. She’ll help you evaluate whether refinancing makes financial sense and guide you through the process from start to finish.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Getting started is easy! You can fill out a secure online loan application here, or reach out directly via email at kristy@ownity.net or phone at (661) 472-7182. Kristy is happy to answer your questions and schedule a free consultation to explore your options.
The Turnkey Foundation Inc. DBA Ownity Mortgage | NMLS# 236669 | NMLS# 2592455| DRE# 01845041 | All rights reserved.
7606 Meany Ave. Suite 103 Bakersfield, California 93308
DRE #01771805
NMLS #245918
Arbor NMLS #236669
Arbor DRE #01845041
