Kirsten Harte
Production Manager
365 E Germann Road, Suite 301, Gilbert, AZ 85297
Kristen Harte is a key player behind the scenes at Team Collective, ensuring a smooth and successful homeownership experience for clients. Since joining the team in 2021 as Production Manager, Kristen has become an invaluable asset, working tirelessly to streamline processes and keep every mortgage journey on track. Her dedication goes beyond the technical aspects; Kristen takes immense pride in supporting the team’s mission of helping people achieve one of life’s most significant milestones – owning a home.
Kristen’s meticulous attention to detail and strong organizational skills are instrumental in ensuring every loan application runs efficiently. This translates to a smoother and less stressful experience for clients as they navigate the mortgage process.
Beyond her commitment to her role, Kristen embraces an active and creative lifestyle. Whether she’s nurturing vibrant plants in her garden, conquering local hiking trails, or satisfying taste buds with her signature sourdough bread, Kristen brings the same focus and dedication to her personal pursuits as she does to her work at Team Collective. In her free time, you’ll also find her cherishing quality moments with her family, striking a perfect balance between professional excellence and a fulfilling personal life.
Favorite Quote: Spending time with God is key to our strength and success in all areas of life.
THE REVIEWS ARE IN…
Hillary and her team were amazing lenders to work with, and I would recommend them to anyone looking to purchase, sell, or refinance a home based on our experience. Over the four months that it took us to go from pre-approval to closing, Direct Mortgage exceeded our expectations. We vetted a number of lenders, and what set Hillary and Direct Mortgage apart were the following:
1. Advocating for us - When working with would-be sellers, Direct Mortgage was proactive in supporting us with pre-approval letters, turning these around quickly. They would answer any questions from the sellers; I never worried about Direct Mortgage being slow to respond. Their team vouched for us as buyers, which gave us strong offer packages, and contributed to our success.
2. Sophisticated use of data and technology - The emails we received from Direct Mortgage were helpful without being overbearing; their online portal was easy to navigate. When doing an initial consultation and in later calls, Hillary showed us how our different numbers (loan interest rate, down payment, number of points, etc.) would result in our different final package, timeline for breaking even, etc; this was very different than the approach other lenders took. As first time home buyers, it helped educate us and inform us about our options, so we could make the right decisions for us.
3. Hillary was responsive the whole time. We had tons of questions and what-if scenarios we wanted to understand, and Hillary answered all of these, showing her expertise and excellent communication. Whether on the phone, email, or a quick text, Hillary provided us the information needed in a friendly and professional manner.
1. Advocating for us - When working with would-be sellers, Direct Mortgage was proactive in supporting us with pre-approval letters, turning these around quickly. They would answer any questions from the sellers; I never worried about Direct Mortgage being slow to respond. Their team vouched for us as buyers, which gave us strong offer packages, and contributed to our success.
2. Sophisticated use of data and technology - The emails we received from Direct Mortgage were helpful without being overbearing; their online portal was easy to navigate. When doing an initial consultation and in later calls, Hillary showed us how our different numbers (loan interest rate, down payment, number of points, etc.) would result in our different final package, timeline for breaking even, etc; this was very different than the approach other lenders took. As first time home buyers, it helped educate us and inform us about our options, so we could make the right decisions for us.
3. Hillary was responsive the whole time. We had tons of questions and what-if scenarios we wanted to understand, and Hillary answered all of these, showing her expertise and excellent communication. Whether on the phone, email, or a quick text, Hillary provided us the information needed in a friendly and professional manner.
Amber and her team were awesome! Very personable and I really felt like she was trying to get me the best outcome for me. Amber was very responsive, even on weekends and evenings via email, text, call and she was very communicative about the process. I would definitely use her again and highly recommend!! Thank you!
Joe Salem was great, I went thru a tough time selling my first home and never thought I would be able to buy a home. Joe was patient, as I know I am a bit much with my questions. Joe took the time to explain everything and he was always spot on. A great guy, definitely recommend working with Direct Mortgage because of Joe! Great asset to the company!
We had a wonderful experience in purchasing our home with Amber VAZIRI that helped guide us along. She went out of her way to ensure our experience was going to be the best. Very professional and concerned and easy to work with. I would recommend Direct Mortgage Loans to any one purchasing a home in the near future. We were able to purchase and close our home in less than thirty days. Wow 🤩 that was fast. Thank you very much Amber. Blessings to you always. Geno & Sema Deanda.
Tom Ford was absolutely amazing to work with! He was always pleasant, friendly and helpful and went above and beyond to respond to my questions, regardless of the day or time of day. I enjoyed working with Tom so much! The process wasn’t stressful at all, the entire team was awesome and we closed in thirty days without any issues. I am very thankful for working with Tom and team and will recommend them to everyone!!
Wow!! Exceptional service And incredibly efficient loan process! We were able to close much earlier than expected. It was the most flawless transaction I have ever experienced.! I will be recommending them to all my family, friends and colleagues! I wanted to personally recognize Jessica Aerosmith. She was phenomenal!
I had the pleasure of working with Andy Fiske recently, and I can’t recommend them enough! From start to finish, he made the entire loan process smooth, transparent, and stress-free. Andy took the time to explain all of my options in detail, making sure I understood every step of the way.
Whether you’re a first-time borrower or not, Andy is someone you can trust to guide you through the process with professionalism and ease. I truly appreciated the personalized attention and dedication they provided—if you need a loan officer who’s got your back, look no further!
Whether you’re a first-time borrower or not, Andy is someone you can trust to guide you through the process with professionalism and ease. I truly appreciated the personalized attention and dedication they provided—if you need a loan officer who’s got your back, look no further!
Me and my wife purchased our house on 1-17-25 and want to thank Mark Murphy for his hard work and getting us a loan on our future, thanks again Mark👍
Blake and his team are the absolute best! They made the process of buying our new home incredibly smooth and stress free! I can’t recommend them highly enough. They even have recommendations for homeowners insurance assistance, surveyors, and companies for home projects. We had to replace our roof shortly after closing and Blake had recommendations for roofers, even after closing on the house! Excellent service all around!!
Bill Paden is the MAN! He will always help you out? Answers all your questions (many before I even know to ask them) and I always felt like a priority! 10/10
George and his team helped me with (3) loans and (1) refinance. Very Very knowledgeable of the VA Lending process. George has shown to be very trustworthy, his consulting approach, educates you as a buyer. I will always use this organization, and I have recommended friends, whom also found success.
Amber Vaziri was the best loan officer WE have ever encountered in buying a home. She was very professional and helpful in all of our questions. Her attention to detail and punctuality was beyond our expectations and experience with buying this home. Her encouragement and guidance was always very helpful in this time of uncertainty and our little experience in purchasing a home. She is kind, generous, and giving which made this process very enjoyable. We would highly recommend Amber to any of our friends and relatives that are purchasing a home in the near future and would feel PROUD in our recommendation. Words cannot express the joy and happiness we have in working with Amber and we wish her well in all of her endeavors. God bless you AMBER VAZIRI
Pam is amazing and made every step of the transaction as stress free as she could. Especially with closing on 12-27!! I've already sent 1 person to her since then and will continue to do so!!
We purchased a home in another state. Everything went smoothly and if there was any questions, they were there to help us through the process. I would definitely recommend Direct Mortgage!!
The best company to get you in the house of your dreams. We found a home that we loved and these people had us moved in under a month!
Our initial contact was with Tom Ford, and then Kristen Hall. Tom walked us through the preliminary stuff, told us what to expect, and answered all of our questions (which we had quite a few since we have not purchased a new home for 30 years). The majority of the process was handled between Kristen and our financial advisor. No major issues, and any that did occur were quickly handled by Kristen or Tom. The process was completed in time for our initial closing date.
Everyone i worked with was super helpful and encouraging! They explained the process all the way through. I never felt pressured at all. The service and experience were invaluable assets and I am so grateful to the entire staff. PS Blake is awesome.
Blake and his team were exceptional. I reached out to them after having issues with a different lender and they got us from application to closing in 7 business days. Everyone was extremely responsive and made the process as smooth as possible. Highly recommend them.
Always ready to answer any questions, even when you are thinking this might be stupid to ask. Always makes you feel well taken care of. Knowledgeable, polite, and kind guidance and support understanding that people are stressed usually in a transition situation.
Great process and thought "outside of the traditional box" to get it done. Bart & Aaron were able to get a complex mortgage loan accomplished, where other lenders were not able to.
From the first phone call with Kolleen to the very last page at signing the DML team and Kolleen were so helpful and so friendly. They explained everything and were very responsive and caring. I had a million questions and they were happy to answer all of them. If I could give more than 5 stars I would!!
Amber Vaziri was incredibly helpful throughout the loan process. Professional, knowledgeable and so responsive.
The Application was very simple to navigate.
Thank you!
The Application was very simple to navigate.
Thank you!
We are incredibly grateful for the outstanding service we received from Joe during our home buying journey. From start to finish, he made the entire process smooth and seamless, with no denials or setbacks along the way.
His expertise and professionalism were evident from our very first conversation. Joe took the time to explain every detail, ensuring we fully understood our options and what to expect. He was always available to answer our questions and provide guidance, making us feel supported every step of the way.
Thanks to Joe's diligence and commitment, we were able to secure our mortgage quickly and confidently. His proactive approach and attention to detail made a significant difference, and we truly felt like we were in the best hands.
We can’t recommend Joe highly enough to anyone looking for a lender who will prioritize your needs and work tirelessly for your success. Thank you, Joe, for helping us achieve our dream of homeownership without a hitch!
His expertise and professionalism were evident from our very first conversation. Joe took the time to explain every detail, ensuring we fully understood our options and what to expect. He was always available to answer our questions and provide guidance, making us feel supported every step of the way.
Thanks to Joe's diligence and commitment, we were able to secure our mortgage quickly and confidently. His proactive approach and attention to detail made a significant difference, and we truly felt like we were in the best hands.
We can’t recommend Joe highly enough to anyone looking for a lender who will prioritize your needs and work tirelessly for your success. Thank you, Joe, for helping us achieve our dream of homeownership without a hitch!
Corey Glowacki and her team at direct mortgage were absolutely amazing! Closed my deal in record time! I will most certainly be referring them to anyone in need!
I had a great experience working Ami at Direct Mortgage Loans. For one, she tolerated me unknowingly mispronouncing her name also she talked me through numbers while driving to the beach with her kids. I initially started working with another home mortgage company but they did not treat me as the customer and would miss our scheduled calls (I wanted to put in an offer but I could not reach my loan agent). With Ami and Direct Mortgage Loans, the process was extremely smooth and Ami had no problems explaining everything in great detail. I will definitely use them again when I decide to refinance. Highly recommend this company
I had an outstanding experience working with Direct Mortgage Loan, especially with Blake Hyatt as my loan officer! From start to finish, the process was smooth, efficient, and stress-free. Blake was always available to answer my questions, providing clear explanations and guidance every step of the way. His expertise and professionalism really stood out, and he went above and beyond to ensure I got the best rate and terms for my mortgage. Honestly, Blake is the best there is—his dedication and knowledge are unmatched! I couldn’t have asked for a better team to work with. I highly recommend Blake and Direct Mortgage Loan to anyone looking for a reliable and knowledgeable lender!
Always available to answer my questions about my loan application process. Best home buying experience ever.
Direct Mortgage did a phenomenal job assisting me with my loan process. Very informative answered any questions that I had. Am I alone off officer was best. Thank you, Bill PADEN, and direct mortgage for making my first homeownership Stress-free and exciting.
Mr. Tom Ford and Chris Naylor saved our loan! We had a bad experience with another loan company and our realtor pointed us in the direction of Mr Tom Ford. We closed 1 week later , a week later then our original settlement date and it was a great painless experience. Thank you so much for helping us. We wouldn’t be in our new home without you guys.
Bill and his team are amazing!!! Literally the best! Super helpful throughout the whole process and are always soo kind. Thank you for everything!
I loved the experience I had with Direct Mortgage. Especially with Jessica and her team they made the process so fast and easy and really help us to get our first home.
The loan process was seamless and stress free. I would definitely recommend DML to everyone for there Mortage needs
Angelina was my loan officer, she was very pleasant and professional. The loan process was very quick and easy, everything was automated. Great prices, great service, fast turnaround.
The entire Direct Mortgage team has been very supportive throughout the entire process of purchasing our home. We are very grateful for all your valuable support and guidance. We never feel alone. Regardless of the day or time, they were there to give us an answer. Special thanks to Victoria Menne, Linda Ochoa and Sandy Torres. ♥️♥️♥️ Nick, Emely, Savannah………….🙏🎉
If you're feeling lost in the process of choosing a lender, just stop, and read my story of how I went from crying outside of a rental to owning a home in one month. I had been told my credit was less than stellar by 4 other lenders and that getting approval was risky. Daryl of Direct Mortgage Loans never made me feel that way. I called while I was sitting in front of a house I thought I could never afford and told him my situation. He was understanding (and a military family himself) and said let me take your information and find you what fits best. I am now a first-time homeowner and still in disbelief. I was walked through the whole process by Daryl and never left on "read" so to speak. He has vast knowledge of the MMP program (which is what I used) and they assisted us with a down payment I wasn't sure I could come up with on my own with the minimal time I had. I found out I had 6 months to move from my long-term rental into something else and I was on month 4 of 6 months with less than two months left to find a home and move out. The rentals were scarce and nothing fit my family and I had zero time left. Thank you, Daryl and your team for getting us the ONE YES we needed to stay in this area! We appreciate you and we'll be sending everyone your way!
From the moment we were introduced to Pam Vroman and her team at Direct Mortgage Loans, we knew we were in great hands!!! Pam was phenomenal and is the reason that we are now in our dream home. In addition to being very personable, she is extremely knowledgeable about the mortgage industry and attentive to the needs of her clients. She strives for a flawless process and in our case, we were ready for settlement well before the closing date with minimal stress. She took care of anything that even looked like a problem and often before we were aware of the issue. Pam and her team come with our highest recommendation!!!
As a deaf customer, the team is very accommodating with communication needs. They are very patient with me as the first time buyer. In a heartbeat, I’d recommend them to anyone who is looking for a house to buy.
Corey was the easiest person to work with. She was always was available when we needed something. Easy to work with and so friendly!
Working with DM Loans from the start was exceptional! I have not purchased a new home for a very long time and the team made me feel very relaxed as I was navigated with ease through this process. Their expertise assured me the comfort I needed to get my beautiful home! I will definitely be telling my family and friends what a great experience I had! Thank you!
We have used Daryl for 3 loans ! He always goes above and beyond for his clients ! He has been amazing, we refer him to everyone we know! Daryl is a rockstar !
Direct Mortgage is a great company. I worked with a few people but my loan officer was great Ms Angela and she was a sweet heart so amazing to work with, she help me in every step of the way to purchase my new home. I closed on 6-17-24. I have recommended Direct Mortgage to several people I know already they are a great choice to go with I promise.
I didn't know buying a house could be so easy! My realtor recommended Direct Mortgage Loans and I couldn't be more thankful that he did. DML went above and beyond my expectations!
Direct Mortgage Loans' processes are very transparent and straightforward, ìf you want to do business with DML , they have best deal and the likes of Pamela, Jennifer, Naylor in a team are very hardworking and reliable combinations. All you is just your truthfulness and have clean pass records. I am happy doing business with DML.
DML has an amazing team that will help you with any questions. Purchasing my first home was the easiest process with DML guidance.
From start to finish my loan and closing was a breeze. I’ve worked with Bill P for years, and I’ve always had the same results. I highly recommend Direct Mortgage!, Ken
Gina DeCicco and Rebekah Graham were the most amazing team. I have worked in the real estate industry for 22 years and we had a clear to close in 12 days which is unheard of. Not only that, we had to sell our house at the same time and they assisted our buyers as well!!! Another CTC in 3 weeks!!! We were blown away by the responses, quick turn around and personal service we received. Great job ladies!!!
This is the 4th time we have used Chad and his team for a new home or a refinance. Once again it was quick and easy. They are always honest, quick to respond to any questions, and keep us updated on everything throughout the process. Can’t recommend enough!!
Blake and his team were fantastic. They were able to walk us through the entire process and always made sure we had our questions answered. Blake took the time to explain all the loan details to make sure we understood and were comfortable with everything. We would definitely recommend them to anyone looking to start their home buying process! They gained our trust and we're really we decided to work with them
The entire team at Direct Lending were great! Caleb and Kim were absolutely amazing! We definitely recommend the team at Direct Lending!!
So thankful for Direct Mortgage and especially Paul. He helped more than I could ever imagine through this whole process. It made my first time home buying experience an exceptional and easy one. Being able to contact and speak with him and my processer Debbie directly every time I emailed or called with questions was greatly appreciated. They went beyond my expectations and would 100% use them again and recommend them to others.
The Gray team is amazing! Very thorough and quick process. I would recommend them to anyone!
Amanda Brune is the absolute best! She’s responsive and always ready to answer any questions with her extensive knowledge and experience. Buying a house can be super intimidating, but Amanda made the mortgage process stress free!
For first time home buying all my questions were answered an explained to me very hands on an meet all my expectations with everything an got me in under what I wanted to spend with great communication would definitely would recommend to some in the process of buying a house
Ms Pam and her team were absolutely amazing, they handled my first home purchase with great ease and I am very impressed. Thank you Ladies , it was so comforting to know that I had a tribe of ladies who believed in me. Omoh
Cale to of DML did an awesome job with our mortgage. Extremely helpful, great communication and went beyond what I expected.
Ami and Ash provided exceptional service to us. They have worked with us on 2 home loans and 1 refinance over the past 7 years, and they've been kind, patient, helpful, accurate, and above all knowledgeable and instructive. We know that we can always call Ami and Ash if we ever have any questions.
Ami and Ash are by far the most caring and hard working loan officers I've ever had the please of working with. They both went above and beyond to make this experience an amazing one! I've already referred multiple people to them, and will shout their professionalism from the rooftops!! Thank you Ami and Ash!
Corey and Jamie are very kind, professional and great to work with. They made the home buying process easy for me and I’ll be using them in the future. Thank you for everything
Direct Mortgage Loans has provided me with an extraordinary experience. The trio of Ami, Amanda, and Ash truly embodies excellence in the mortgage industry. Ami's insightful guidance, Amanda's meticulous approach, and Ash's unwavering commitment have simplified the intricate world of mortgages. Opting for Direct Mortgage Loans was unequivocally the wisest choice for my home loan requirements. The personalized attention and combined knowledge of this exceptional trio ensured a smooth, stress-free journey from start to finish. If you seek unmatched service and expertise for your home loan, Direct Mortgage Loans with Ami, Amanda, and Ash is unequivocally the optimal selection.
I worked with Donny McCord this year when buying a home and his efficiency and service was unmatched! He answered all questions knowledgeably and worked hard to help me buy sooner than I thought I’d be able to! Highly recommend working with Direct Mortgage Loans
Amazing service. Always available and ready to answer any questions you may have.
Caleb & his team's communication is top notch! Always willing to give an update or talk through a scenario. Their local condo knowledge and experience is invaluable. Highly recommend!
I had the pleasure of spending a full day with my friends at Direct Mortgage Loans during their annual DML Fest. You can feel the company culture immediately. Their energy is contagious and everything they do is centered around both their customers and putting their LO's in positions to succeed.
Matt Mieras and his team handled things absolutely flawlessly. We had some challenges in the past that made our prior mortgage difficult, but it was no problem for Matt and his team. We are in our new home and absolutely thrilled! We will definitely use them again and send our friends to them without hesitation.
Oliver and his team are very dedicated and helping you. They will not stop,until everything is done.
Quinn was amazing to work with exceptional customer service, communication was always on point including the entire team GREAT job. I would recommend DML to anyone whom looking to be a homeowner or refinancing.
I just want to thank the Whole team at Direct Mortgage Loans for helping me in getting my first home...It could have been a lot worse if I did not have the guidance and support of this Team...Special Thanks to Paul Gordon! even in his vacation time he went the extra mile to help me by answering my calls and text. Thank you all.
Amy and her team were amazing! She was extremely creative and helping my wife and I to find the best solution and mortgage product available for our situation. She stuck with us through the changes they came along and made sure that she saw us across the finish line.
My husband and I refinanced with the Dobz Group a few years ago. The service was great! They were attentive to our needs, creative with their solutions, and responsive. I would 100% recommend their services!
I had a wonderful experience with Direct Mortgage Loans. The team was incredibly attentive and friendly throughout the entire process. They made sure to address all my questions and concerns, making me feel valued as a customer. I highly recommend their services to anyone in need of a mortgage. Thank you, Direct Mortgage Loans, for your exceptional service!
Bo and Lindsey are the easiest people to work with. They will talk you through everything step by step. Taking away all nerves you may. I was so scared at first until I started the process. No matter what hr Bo gets back with you. Definitely 💯 worth it to got to Bo and Lindsey
DML was so great to work with in buying our first home! Kevin was our loan officer and was so readily available to answer all of our questions, and put things in more “simple” terms for us since we had no experience ever taking out a loan on anything. He never made us feel rushed or stressed because of how much we didn’t know - he always was happy to answer our questions and address our concerns. So happy with the service from DML!
The Amy Wolf team made the whole home buying process so easy and stress free. Dale, Roni and Rachel are great at what they do. As a first time homebuyer I’m so glad I had them to help me along the way. Can’t recommend them enough!!!
We started our journey with Direct Mortgage Loans not knowing if we'd be able to accomplish a dream we had. We are a large family on a single income that isn't grand by any means. We needed a bigger home with a bigger yard so that we could live comfortably. The house we wanted seemed out of reach and unattainable bcus we had to sell a home in order to purchase the dream home. Our credit scores weren't great either so there were many obstacles! Kolleen Organek with Direct Mortgage Loans reviewed our information and went into immediate action. Not only did she find a way to up our credit score and get us pre-approved but she also walked us through every single step very carefully, got us a conventional loan which we thought was impossible and got us a low interest rate and we are now the owners of our dream home! This team is compassionate, understanding and extremely willing to go the extra 100 miles to get things done right! If you have the opportunity to work with a lender don't pass up Direct Mortgage Loans! Kolleen Organek is a powerhouse! We couldn't be happier!
Direct mortgage lending company is a comprehensive wraparound service that provided us with support from beginning to end in the procedures of pursuing our new home. I would recommend them to anyone, especially if the person is a first time home buyer. The processes are user-friendly, and questions are encouraged while answers are provided in a timely fashion. Kolleen was a true support every step of the way!! What an amazing team!! Thank you to Caleb, Kyle, Veronica, Jennifer, and Jen, and all the members of the team who helped make my dreams…Come, true! And even though I know that my realtor is not a part of this team, it was because of her that this team came into my life. Enough cannot be said for such a comprehensive network of people working in the real estate business. The housing market is better for individuals like this that have this level of dedication.
Meagan Gray is amazing at what she does. Very knowledgeable, helpful, and quick at helping you through the stressful process of home buying. She made it a breeze for my boyfriend and I, who had never bought a house before.
Andy Cynthia &Rachel are a mega team! They did everything they said they’d do to make sure we closed! We appreciate them so much for making homeownership a reality for us. We highly recommend their services!
A personal thank you to Corey Glowacki, you are awesome!! thank you to the whole team for all that you do!!! you all were wonderful!! you have made this such a positive experience for me! you guys are true professionals!!!
The team at Amy Wolff of Direct Mortgage loans was amazing to work with. The app for your phone makes everything so easy! They keep the lines of communication open and check in often. They got the loan closed on time and with not stress. Call them, you will be glad you did.
11/10 for the group at DML. Savannah and Cynthia were my team and they made the entire process as painless as possible. They texted me helpful reminders and emailed me everything I needed to help me keep track. This was literally the least stressful part of buying a home which is kind of wild! I'm a single mom so the home shopping and buying process was overwhelming but I had these two amazing women cheering me on in the background and I wish they could help me with everything!
Wanna talk about fast,detailed,and efficient?!
You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
You've definitely found the right mortgage company Mrs Vanessa and her team made my loan process quick and easy! I definitely couldn't have asked for better assistance, they truly came through for my family and i.
The is a very professional company. The beginning with Monica was so smooth and she is a super person to work with throughout the whole process. Misty was fantastic and kept us informed the entire time. They always return your calls and constantly reassure you at all times. Janeth was great to work with at the end. Overall highly recommend this company to anyone who wants a honest and stress free loan.
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