California mortgage guidance with Kristy Gannon
Buying, refinancing, or investing in California? Kristy helps you compare loan options, understand the numbers, and plan the next step. She brings calm, practical guidance to straightforward and complex scenarios alike.
Kristy Gannon
Mortgage Advisor
NMLS #245918 DRE #01771805
Client reviews for Kristy Gannon
Read recent reviews about Kristy’s communication, problem-solving, and support.
Jay Mead
1 days ago
Trustindex verifies that the original source of the review is Google. First, I want to say on behalf of the Meadows family that buying our first home was truly a rollercoaster. As first-time buyers, there were many moments when we weren’t sure if everything was going to work out.
However, Abby, Kristy, Vanessa, and Homer helped us tremendously throughout the entire process. They provided us with real and honest information, which made a stressful experience kinda easier.
We are so happy with the choice our realtor, Kornia Cera, helped us make in choosing Ownity. We truly appreciate everyone who supported us and helped make our dream of becoming homeowners a reality!
Andrea Vazquez
9 days ago
Trustindex verifies that the original source of the review is Google. We had a great experience with Ownity Mortgage Lending! Thanks to Kristy and everyone there for helping us in our home buying experience! Always had answers to our questions. Went above and beyond for us. Would definitely use them again for the future. Thank you again Kristy! 🫶🏼
kevin rosales
9 days ago
Trustindex verifies that the original source of the review is Google. Amazing people and very helpful, and answer all your question. Highly recommend and I would go with them again if I buy more property or land in the future!
Tony fierro
9 days ago
Trustindex verifies that the original source of the review is Google. I had a great experience with Ownity Mortgage Lending! The entire process was smooth, professional, and stress-free. Their team was knowledgeable, responsive, and always willing to answer my questions and keep me updated throughout the process. I really appreciated their communication and attention to detail. I would definitely recommend Ownity Mortgage Lending to anyone looking for a mortgage lender! Thanks again Kristy
ANA AMEZCUA
15 days ago
Trustindex verifies that the original source of the review is Google. Kristy Gannon is the best in the business, with her experience serving the community helping families accomplish their dreams of becoming homeowners. She has helped me acquire a couple properties and has made every step of the way feel easy , from my family we’d like to say thank you to everyone at Ownity Mortgage Lending such as Abby,Vanessa and everyone else that made this possible for us 🫶🏻🙏🏻🙌🏻 Thank you!
Jade Ruiz
15 days ago
Trustindex verifies that the original source of the review is Google. Kristy Gannon helped us get our first investment property and now our new main residence. She has been on top of me making sure we met deadlines and making sure her team did everything to make this happen for my family. She made me feel understood and comfortable throughout every step. She really is the best lender in kern county 🙌🏻🌹💯
Cristian Rivera
23 days ago
Trustindex verifies that the original source of the review is Google. I came in to meet Kristy Gannon about refinancing my home in Bakersfield, it was a great experience. Highly recommend if you’re curious about refinancing!
Gabriel Cortez
23 days ago
Trustindex verifies that the original source of the review is Google. This was our second time working with Kristi Gannon as our mortgage lender while purchasing a home in Bakersfield, California, and both experiences went smoothly. Kristi made the loan process easy to understand, kept everything on track, and was always available to answer our questions. We highly recommend her and her team!
Cyndi Ruiz (lulu)
27 days ago
Trustindex verifies that the original source of the review is Google. 
+1
Nancy Rodriguez
43 days ago
Trustindex verifies that the original source of the review is Google. I can’t thank Ownity Mortgage enough for everything they did to help me through the home-buying process. From the very beginning, they were there to answer every question, explain each step, and make what seemed like a stressful process feel much easier. Since I didn’t have a realtor, they went above and beyond to guide me through everything and always made sure I knew what to expect.
They were patient, honest, professional, and I always felt supported and never felt like I was going through the process alone. Thanks to their dedication and hard work, I was able to achieve my dream of becoming a homeowner. I am so grateful for all of their help and would highly recommend them to anyone looking for a loan officer who genuinely cares about their clients.
Expert Insights & Tips
16 Videos
Your Path to Homeownership Starts Here
Explore home loan options for your goals
Start with what you want to accomplish. Each guide explains who the loan may suit, how it works, and what to compare before you apply.
Conventional Home Loans
Conventional loans can offer flexible down payments, terms, and mortgage-insurance choices for qualified buyers. Compare the rate, fees, cash to close, and total monthly payment—not just one headline number.
FHA Home Loans
FHA-insured loans may help buyers who need a lower down payment or more flexible qualification. Mortgage insurance applies, so compare the full payment and long-term cost with conventional options.
VA Home Loans
A VA-backed purchase loan may allow eligible veterans, service members, and some surviving spouses to buy with no down payment and does not require monthly mortgage insurance. Eligibility, appraisal, funding-fee, and lender requirements still apply.
Jumbo Home Loans
Jumbo loans finance amounts above the conforming loan limit. Qualification often places more weight on credit, reserves, property details, and documentation, so structure and lender guidelines matter.
Home loans for self-employed borrowers
Self-employed income can be evaluated in several ways, depending on the program. Tax returns, profit-and-loss statements, bank deposits, and business history may all play a role in qualification.
Non-QM Loans
Non-QM programs do not meet the federal Qualified Mortgage definition and use lender-specific guidelines. They may suit certain income, asset, credit, or property scenarios, but usually require careful comparison of pricing, documentation, and risk.
Bank Statement Loans
Some bank statement programs estimate qualifying income from eligible personal or business deposits instead of relying only on tax returns. The review period, expense factor, down payment, and reserve requirements vary by lender.
Investment Property Loans
Investment-property financing should be tested against expected rent, expenses, reserves, and your ownership plan. Qualification may use personal income, property cash flow, or a combination, depending on the program.
ITIN Loans
Some lenders offer home loans to borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number. Credit, identity, occupancy, documentation, down payment, and property requirements vary by program.
Refinance Home Loans
A refinance replaces your current mortgage with a new one. Compare the new payment, closing costs, break-even period, total interest, and how long you expect to keep the loan before deciding.
Cash-Out Refinance
A cash-out refinance converts eligible home equity into loan proceeds by increasing the mortgage balance. Weigh the cash received against the new rate, payment, closing costs, and the equity you will retain.
Renovation and Construction Loans
Renovation and construction loans can combine property financing with eligible project costs. Budget, plans, permits, builder approval, inspections, and draw schedules should be reviewed early.
USDA Home Loans
USDA-backed financing may offer no-down-payment purchase options for eligible households and properties. Income limits, location eligibility, owner-occupancy, appraisal, and guarantee fees all affect the fit.
First-Time Homebuyer / DPA Loans
Down payment assistance may come as a grant, deferred loan, forgivable loan, or repayable second mortgage. Program definitions, income limits, occupancy rules, and repayment terms vary, so read the assistance agreement carefully.
Reverse Mortgage
For eligible homeowners 62 and older, a reverse mortgage can convert part of home equity into loan proceeds. Costs accrue, equity may decline, and taxes, insurance, maintenance, occupancy rules, and counseling still matter.
About Kristy Gannon
Kristy Gannon is a California Mortgage Advisor who works with first-time buyers, homeowners, self-employed borrowers, investors, and clients whose income or credit story needs a closer look.
Her role is to explain choices clearly, surface tradeoffs early, and keep the process moving from preapproval through closing. Kristy’s “No Family Left Behind” approach means listening carefully, looking for responsible options, and giving every client an honest next step—even when the answer is to prepare before applying.
Tailored Solutions. Trusted Experts. Seamless Home Financing.
A clear process, built around your situation
A mortgage decision is easier when you can see the costs, conditions, and tradeoffs. Kristy helps you compare realistic options and understand what each one asks of you.
Options matched to your goals
Purchase, refinance, equity, and alternative-documentation programs solve different problems. The comparison starts with your priorities, property, income, and timeline.
Clear comparisons, not rate slogans
Rate matters, but so do fees, mortgage insurance, cash to close, and how long you expect to keep the loan. Compare the complete picture before choosing a program.
Guidance from preapproval to closing
Know what documents are needed, what happens next, and where a decision is still pending. You’ll get practical explanations and timely updates throughout the process.
California Mortgage Experience
California property type and location can affect loan limits, appraisal requirements, program eligibility, and timing.
A responsive, well-prepared process
Preparing complete documentation early can reduce avoidable lender questions and help keep deadlines visible.
Support for Unique Borrowers
Self-employed, investment, ITIN, and other non-traditional scenarios may need different documentation or underwriting. The review should identify appropriate programs and their tradeoffs.
Commitment to Communication
You’ll know what has been completed, what is still needed, and who is responsible for the next step. Questions are welcome throughout the loan process.
Experienced, accountable support
Hands-on guidance and Ownity Mortgage’s lending resources support comparisons based on your goals and circumstances.
Mortgage guides and practical advice
Use these guides to prepare for preapproval, compare a refinance, or understand financing for self-employed income before you make a decision.
Why work with Kristy Gannon
If you are not sure where to start, begin with a conversation. Kristy can learn about your goals, explain the paths that may be available, and help you prepare for the next step—without treating every situation the same way.
Mortgage Questions, Answered Clearly
Practical guidance from Kristy Gannon for California home buyers, homeowners and property investors.
Which types of home loans can Kristy help me explore?
Kristy can help you compare purchase, refinance, home-equity and investment-property financing, including conventional, FHA, VA, USDA, jumbo and eligible alternative-documentation programs. The right starting point depends on your goals, finances, property and documentation—not simply the lowest advertised payment. Browse first-time buyer and down payment assistance options or refinance and equity options.
How early should I speak with a mortgage professional before buying?
Starting before you tour seriously can help you understand a realistic price range, estimate cash needed and identify documentation issues while there is still time to address them. A conversation does not obligate you to apply. Use the mortgage preapproval checklist to get organized.
How much cash might I need beyond the down payment?
Plan for more than the down payment. Depending on the transaction, cash needs may also include closing costs, prepaid taxes and insurance, an appraisal, inspections and post-closing reserves. Seller or lender credits may be available in some situations, but availability and tradeoffs should be reviewed for the specific offer.
Can Kristy help if my income is self-employed, commission-based or otherwise complex?
Potentially. Traditional programs may analyze tax returns and business history, while some eligible Non-QM programs use alternative documentation. Kristy can help identify which records tell the clearest, supportable story. See the self-employed mortgage overview and bank statement loan guide.
How do I contact Kristy without starting a mortgage application?
Use the contact form or call 661-472-7182 to ask a question and discuss a useful next step. The form starts a conversation; it is not an application, approval, rate lock or commitment to lend. Kristy Gannon is a Mortgage Advisor, NMLS 245918 and DRE 01771805.
Where should I send sensitive financial documents?
Do not send Social Security numbers, bank statements, tax returns or other sensitive records through the public contact form or ordinary email. When you are ready to apply, use Kristy’s secure application portal or follow the secure upload instructions provided for your file.