Kristen Livingston
Loan Officer
NMLS# 1036089 | DRE# 01919085
How It Works
We don’t believe in surprises. Rest easy knowing what to expect from the very beginning.
Step 1: Game Plan
Meet with your advisor, set goals, assess credit, define your budget, and review expectations for the rest of your home process
Step 2: Apply Online
RWM Home Loans’ Fluid App makes getting started easy. Quickly provide your information and upload documents seamlessly.
Step 3: Prep Work
We will review your information, request third party verifications, and prepare to submit everything for a Certified Pre-Approval.
Step 4: Offer Accepted
Congratulations, your offer has been accepted! You can rest easy while our team prepares to submit for final approval
Step 5: Bring In The Closer
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Step 6: That’s A Wrap
Welcome home! You are ready to get your keys and unpack. Thank you for trusting RWM Home Loans with your loan.
Apply, Upload, and Close – All with the Fluid App
Stay secure, stay connected, and let RWM guide you home with the convenience of the Fluid App. Designed for today’s lifestyle, it lets you manage your entire home loan process from your phone—anytime, anywhere.
Learn all things mortgage and more
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Meet My Team
We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.
Shelly Wolfe
Loan Officer Assistant
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Empowering you with tools to reach your goals
Educational Resources
Why You Should Consider a Cosigner on a Mortgage
Featuring Kristen Livingston as Guest Author, find out if co-signing a mortgage with a family member, friend, or loved one can bring you one step closer to homeownership.
Track Your Home’s Value with Homebot
Want to know what your home is really worth? With Homebot, you’ll get a personalized report based on your ZIP code, plus monthly updates on your home’s value equity, and opportunities to grow your wealth through real estate.
Follow Me For Mortgage Programs, Homebuying Tips, & More
I am authorized to do business in the states of Arizona, California, Florida, Illinois, Indiana, Montana, Nevada, Oregon, Tennessee, Texas, South Carolina, Washington, and Wisconsin. AZ Mortgage Banker Lic# 0949690; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act