Kristin O'Neil
NMLS # 266528
(804) 704 3339
The O'Neil Mortgage Group at Home Loan Zone, Inc.
NMLS # 1173347
Licensed In VA
Languages English
Richmond, VA
  • 10 Years
  • Investment Loan Expert
  • No Credit
  • Women Owned
Engagement Points: 24

My Community

The O'Neil Mortgage Group at Home Loan Zone, Inc.

400 N Ridge Rd
Richmond, VA

Community Feedback

John Whitley
5 months ago
Kristin O'Neil was our mortgage broker for buying our first home. We were clueless about how the buying a house process went at first, and even more clueless about getting a loan/mortgage. We were also dealing with a housing market that was unprecedented with incredible offers made by the buyer and there were so many bidding wars (some houses went over 70k over asking price!). Kristin was always a phone call away, she was 24/7 willing to help us (and I do mean 24/7, nights, weekends, holidays). She helped us to better understand our Mortgage and our loan, she answered many many questions that we had, she educated us, She helped us to plan a budget to determine how much we could offer. The amazing thing about Kristin was that she never once made us feel like we were intruding her or an inconvenience to her. I never felt like just a paycheck to her, I felt like almost a family member to us. Her kindness was constant throughout. Her hard work was never more evident than about an hour an a half before our closing date (when we finally had a contract accepted). She called us and told us that based on the rates for that day, she was able to lower our interest rate by .25%, so we pushed our closing by a day. Little did we know that Kristin was able to actually lower out interest rate by .50%!!!!!!! That lowered our monthly mortgage about $100. She was so kind to send us a personalized cutting board with our family name and her company engraved on it once the whole process was complete. I can't imagine ever working with a different mortgage broker. We consider Kristin like family, and we are so very grateful for her. I don't know how we could have done this without her. THANK YOU SO MUCH KRISTIN!
William Cragg
5 months ago
I found Kristin not only knowledgable and professional regarding the mortgage application process, but also enjoyable and personable to work with. She quickly returned both emails and voicemails and kept us updated as to the progress. At closing thing could not have gone more smoothly or quickly. You really can’t ask for more than that from your loan office. Two thumbs up!
10 months ago
It was such a pleasure working with Kristin to buy our first home. She was so patient, listened to all our needs, and consistently checked in with us to ease my nerves! We could not have asked for a more personable, professional, and awesome lender. We *highly* recommend working with her!
Ayman S
5 months ago
First time I work with the O’Neil Mortgage Group , I highly recommend them , Very professional, committed, Honest , very very responsive and immediately, I was so happy to get my loan with them , even with pumps they get your back and get any problem solved , closed my loan in time , great thank you to Corey O’Neil .
rod allen
2 years ago
It was a pleasure to work with Kristin when I recently refinanced a loan. Kristin was very personable and professional. The communication during our loan process was great. There were no surprises during the process including the closing meeting on the new loan. Kristin demonstrated a sense of urgency during the process. This resulted in closing the loan in about 3 weeks. Any issues that came up were resolved quickly and communicated to me. I would be happy to recommend Kristin to my family and friends.