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When you need a mortgage, call your Mom.  The Home Loan Mom.

Welcome to The Home Loan Mom! I'm Kristi Norton, a licensed residential mortgage loan officer (NMLS#2031002) working with leading broker America's Local Lender (NMLS#1569058), based in La Jolla, California. I understand that there are many mortgage loan officers to choose from, and I am here to tell you that I am different.

I am The Home Loan Mom and I have been a mom for a long time. Every day, I strive to earn your business and your trust by doing what makes me a good mom to make your home loan experience the best one possible.


Like your mom, I am:

  • Knowledgeable and will help you learn all about the options and the process

  • Looking out for your best interest with loan types, pricing, and more

  • A good communicator and keep you up to speed on the progress, and I promise not to yell

  • Appreciative of the hard work and value of real estate agents and make the process easier for them too

  • Love to find the right solutions for real estate scenarios

  • Even bake a mean chocolate chip cookie


My mission is to make the home loan process as easy as possible for buyers and their real estate agents (and of course, those refinancing too) throughout California. I specialize in making the process as quick, painless, and as stress-free as possible. After all, isn't that what moms do?

The Home Loan Mom is here to help. With me, you're family! Check out my Google reviews and IG feed below or check out my photos page to learn more about me.

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The Home Loan Mom Difference

Getting a mortgage isn't just about finding the lowest rate.  There is a lot more to a good home loan experience.  Let me show you how good it can be.


What are Your Goals?

I want to know what you want to achieve

When I understand my borrowers' goals, I can help them find the right loan. Want to lower your payments? Or maybe cash out for bills, remodeling, or a second honeymoon? Perhaps purchasing a new home because the family is growing? Or buying an investment property?  When I know what you want to achieve, I can help you get there and I will never force a product on you that isn't in your best interest or help you get where you want to go.  That's a promise.


Wide Variety of Mortgages

We work with borrowers from all walks of life

All situations are different and for some people, life had an unexpected twist or turn but that doesn't mean you can't own a home. We work with our clients to see what can be attained and make plans to get there.

Just some of the loans we offer:

  • Luxury Home Loans

  • Jumbo Mortgages

  • First Time Home Buyers

  • VA Loans

  • FHA Loans

  • Conventional Purchase Loans

  • Refinance Loans


Personalized Service

When You Work With a Mom, You're Treated Right

When I decided to be a mortgage loan officer, I did my homework and chose a brokerage, Casa Financial Services NMLS#120281, that has the same ethics and commitment to service that I do. We are an independent, veteran-owned mortgage broker that doesn't waste resources with fancy offices and over-the-top advertising. Instead, the entire team and I are your local lender, your friends, your neighbors. I look forward to helping you achieve your real estate goals, whatever they may be.

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Call your Mom!
The Home Loan Mom
that is.


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