Headshot of Karen Flores

Karen Flores

Sr. Loan Officer

The Karen Flores Team

NMLS #1113120

Adress
1750 S Woodlands Village Blvd, Suite 150
Flagstaff, AZ 86001
Contact Methods
Email
mobile Mobile
(928) 699-4525
fax Fax
480-847-1716
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Karen

I’ve been in the mortgage business serving Arizona since 1993. As a professional who worked as both a loan officer and branch manager, I have experience in many loan programs – especially construction loans and down payment assistance programs. I love helping first-time homebuyers finance their first home and meeting repeat clients’ mortgage needs. No matter your situation, I’m excited to get it done!

From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too. Communication promotes confidence, and I want you to feel confident every step of the way.

No matter if you’re buying, refinancing, or renovating, I look forward to giving you an outstanding mortgage experience.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Couple sitting at kitchen table makes a household budget together.
    Published on

    How To Make A Household Budget

    Learn the essential steps to make a household budget with our comprehensive guide. Get started with your budget plan today.

  • Suburban home new homebuyers can purchase with lower fha mortgage insurance premiums
    Published on

    Lower FHA Mortgage Insurance Premiums Means Savings For Homebuyers

    The Biden-Harris Administration announced lower FHA mortgage insurance premiums. Find out how this can mean savings for new homebuyers.

  • Hispanic family laughing together
    Published on

    NAHREP 2022 State of Hispanic Homeownership Report

    2020 marked the beginning of large-scale, consistent market fluctuations, but despite that, the Hispanic homeownership rate has continued to rise. The National Association of Hispanic Real Estate Professionals (NAHREP) has released its annual report for 2022. Here's some key takeaways from the report.

  • A family on a tablet
    Published on

    Can You Buy a House with No Money Down?

    Saving for a down payment is definitely important, but there are alternative options if you have little to no down payment available to purchase a home. Let’s take a look at these options to see if one fits your circumstances.

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.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    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.

  • Payment Calculator

    Payment Calculator

    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.

  • Find the Right Loan

    Find the Right Loan

    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.

  • Home Loan Check List

    Home Loan Check List

    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.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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