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.
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.
Our Conventional Home Loans offer competitive interest rates and flexible terms, ideal for borrowers with solid credit histories. Designed to help you secure your dream home, these loans provide a straightforward process and diverse options. Enjoy clear guidelines and customizable financing plans that meet your needs while fostering long-term financial stability, making homeownership an accessible and rewarding achievement.
USDA Home Loans support rural and suburban homebuyers with low to moderate incomes by offering zero down payment options and competitive interest rates. Backed by the government, these loans aim to promote sustainable community development. Benefit from flexible credit guidelines, reduced closing costs, and a streamlined process designed to make homeownership accessible in eligible rural areas, ensuring a strong foundation for lasting financial security.
Reverse Mortgages enable senior homeowners to convert home equity into cash without monthly mortgage payments. Designed for those aged 62 and older, this product provides financial flexibility by allowing you to access funds for living expenses, healthcare, or home improvements. Enjoy non-recourse features and a repayment structure based on the sale of your home, ensuring you maintain financial security and quality of life during retirement.
Kristy Gannon, Mortgage Advisor at Ownity Mortgage, provides expert home loan solutions with a focus on trusted guidance, creative problem-solving, and a deep commitment to her clients. With more than twenty years of experience in the mortgage industry, Kristy has built a reputation for delivering exceptional results, even in the most complex lending situations.
Known for her client-first approach and her “no family left behind” philosophy, Kristy strives to be a lifelong resource for those pursuing homeownership. Her work has been recognized across both local and national markets, and she continues to earn trust by offering personalized support, clear communication, and tailored mortgage strategies.
Whether you are a first-time buyer, refinancing your current home, or navigating a unique lending scenario, Kristy Gannon is here to help you achieve your homeownership goals with confidence and care.
Licensed in CA
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.
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.
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.
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.
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!
Ownity Mortgage offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
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