We offer a wide range of mortgage solutions including VA, FHA, Conventional, USDA, Jumbo, Bank Statement, Investment Property, Construction, Rehab, Second Mortgage, and specialty programs like Doctor Loans and Vacation Home Loans. Each program is designed to meet different financial needs and borrower profiles.

Our goal is to provide flexible financing options for first-time homebuyers, self-employed borrowers, investors, and high-net-worth clients. Kristeen Smith with Acadia Lending helps match each client with the most suitable program based on their unique situation.

The right loan depends on your income, credit profile, employment type, and long-term financial goals. During the consultation process, Kristeen evaluates your full financial picture to recommend the most beneficial option.

She simplifies complex lending choices so you can clearly understand your options. This ensures you make an informed decision that supports both affordability and long-term stability.

Yes, self-employed borrowers have several flexible options available, including Bank Statement Loans and other non-traditional income programs. These loans are designed specifically for business owners, freelancers, and independent contractors.

Kristeen helps self-employed clients properly document their income using alternative methods like bank statements or profit-and-loss statements. This makes it easier to qualify even if tax returns do not reflect full income.

The timeline can vary depending on the loan type, documentation, and property details, but most loans typically take between 2 to 4 weeks from application to closing. Some programs may be faster with complete and accurate documentation.

Kristeen works closely with all parties involved to ensure a smooth and efficient process. Her proactive communication helps reduce delays and keeps your loan on track.