Headshot of Kristi O'Brien

Kristi O'Brien

Branch Manager

Ashtabula, OH Mortgage Lender

NMLS #1541276

1005 Bridge Street, Suite 2nd Floor, Office #100
Ashtabula, OH 44004
tel Phone
(440) 709-3253
cellphone Cell phone
(937) 396-4418
fax Fax


About Kristi

I’m known for my integrity, diplomacy, and compassion for my clients. I make it my priority to listen to each individual so I can best understand their wishes. To make your dreams come true, my recommendations will always respect your unique circumstances and goals.

I offer a wide range of mortgage programs, specializing in creative financing for first-time homebuyers, and new construction lending. Whether you are purchasing, renovating, or refinancing, we will find the right product for your plans.

Communication is a top priority, and I pride myself on making sure each individual is thoroughly informed throughout their loan process to create a harmonious dynamic. I’ll take the time to walk you through each step of your mortgage, answer your questions, and keep you up to date on your loan’s status.

From start to finish, I look forward to providing you with the personalized mortgage experience and outstanding customer service you deserve.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (440) 709-3253