★★★★★
“From start to finish, Kristen was incredibly responsive, knowledgeable, and so patient with every question we had throughout the process.”
MICHIGAN MORTGAGES · PERSONAL GUIDANCE
Your next chapter.
Let’s get you home.
More lender options. Clear answers. A local loan officer in your corner. Kristen Vicari helps you compare your mortgage options, from your first questions to closing day.
Read client storiesYOUR LOCAL MORTGAGE CONNECTION
Kristen VicariLoan Officer · NMLS 2236296
Kristen Vicari Loan Officer, NMLS 2236296
Based in Macomb County, serving all of Michigan
Broker, not a bank Compare options from multiple lenders
A mortgage that fits your next move.
As a broker, Align Lending is not tied to one bank's products. Kristen matches your situation to the lender and program that fit, explains your options.
Conventional
Fixed and adjustable-rate options for a primary residence, second home, or eligible investment property.
FHA
An option to explore if you need more flexible credit or down-payment requirements.
VA
Mortgage options for eligible veterans, service members, and surviving spouses.
Refinance and HELOC
Lower your rate, shorten your term, or tap the equity you have built with a cash-out refinance or home equity line.
Jumbo
Financing above conforming limits for higher-priced homes, including waterfront and second homes.
Investment property
Loans for rentals and small multi-family properties, including DSCR options for investors.
From first call to closing day.
Know the next step, and who to call along the way.
Talk with Kristen
Start with a conversation about your goals, budget, and timeline. Get answers before deciding on your next step.
Get pre-approved
Complete the secure online application. Kristen reviews your file, shops lenders, and sends a pre-approval letter you can shop with.
Close with confidence
Once you are under contract, Kristen coordinates with your agent, the title company, and the lender and keeps you informed through closing.
Clear numbers.
Personal guidance.
A familiar voice when you call.
Local, responsive, and on your side.
Kristen is a Michigan-based loan officer with Align Lending, licensed under NMLS 2236296. She works with first-time buyers, veterans, investors, and families buying up north on the lakes and rivers, and she is known among local agents for picking up the phone.
Because Align Lending is a broker rather than a bank, Kristen can compare wholesale rates from many lenders instead of offering one rate sheet. She can walk you through the rate, fees, and closing costs together so you can compare the full picture.
What clients say about working with Kristen.
Client stories featured on Mortgage Matchup.
★★★★★
“She treated me like family and gave me straight-up, solid advice at every turn.”
★★★★★
“What impressed us most was her attention to detail and proactive approach.”
FOR REAL ESTATE AGENTS
A local partner for your next closing.
Let’s talk about your buyers, their financing questions, and how we can work together from pre-approval to keys.
Connect with Kristen
Interested in Realtor training at UWM?
Ask Kristen about upcoming opportunities.
Talk with Kristen.
Buying, refinancing, or just weighing your options? Start a conversation in the way that works for you.
- (586) 945-1716Call Kristen · Send a text
- kvicari@alignlending.comEmail
- Secure online applicationContinue to Align Lending’s application portal
- www.alignlending.comAlign Lending