With over 20 years of experience, Kristy Gannon brings trusted expertise and a genuine commitment to helping families achieve homeownership, even in the most challenging situations. Known for her problem solving approach and her “No Family Left Behind” philosophy, Kristy focuses on finding solutions where others may see obstacles.
She takes the time to understand your goals and delivers personalized mortgage strategies designed to support both your immediate needs and long term financial future. Whether you are a first time homebuyer or navigating a more complex financial situation, Kristy is dedicated to guiding you through the process with clarity, care, and confidence.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
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
Compare purchase and refinance options with competitive rates and terms. Get straightforward guidance and a smooth process designed to help you close with confidence.
Every borrower has a different income, credit profile, and financial goal. We structure home loan options around your situation, whether you are buying, refinancing, investing, or self employed.
We offer conventional, FHA, VA, and refinance options with competitive interest rates and term structures designed to reduce monthly payments and support long term financial stability.
Licensed to lend across multiple states, we help buyers and investors secure financing wherever they purchase, with clear guidance on guidelines, timelines, and closing requirements.
Our streamlined mortgage process prioritizes complete documentation, proactive communication, and efficient underwriting to help qualified borrowers close quickly and confidently.
Choosing the right mortgage advisor can make all the difference. With Kristy Gannon and Ownity Mortgage, you gain more than a loan. You gain a trusted partner committed to your success. With over 20 years of experience helping families across California, Kristy is known for turning complex mortgage scenarios into clear, achievable solutions.
At Ownity Mortgage, you are never treated like just another application. Kristy takes the time to understand your goals, recommend the right loan strategy, and guide you through every step of the process. Whether you are a first time homebuyer, self employed, or planning for retirement, her mission is simple: No Family Left Behind.
You can expect honest advice, clear communication, and mortgage solutions built around your real life goals.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
