Kristina Hubbard, CMA

Branch Manager
Sr. Mortgage Advisor

Albany Branch

2405 14th Avenue SE, Suite C Albany, OR 97322

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Thank you for visiting me here at PacRes Mortgage. I welcome the opportunity to help fulfill your dream of homeownership in a way that will be both fulfilling and fun.

Starting from when I entered the mortgage industry in 1995, my way of serving clients has never changed: whether a first time home buyer or seasoned real estate investor, every client gets my full attention on every detail of their transaction from start through closing. I probe for appropriate information to ensure that as a team, we are able to navigate around any pitfalls so as to avoid having surprises surface during the lending process. I believe in one-to-one relationships and open communication so that when we are done, my client walks away with a smile and as a friend.

PacRes Mortgage is a company you can feel good doing business with. We are recognized throughout the Northwest for outstanding client service and I am proud to be their Albany Branch Manager and one of their Senior Mortgage Advisors. As a leading regional Mortgage Bank, PRM affords my clients access to a wide range of financing options that we match to specific goals. These choices include Conventional Loans, Home Refinancing, 2nd Mortgages, and more! One of my areas of expertise is in government loan products including FHA, VA, and ODVA options. I can also handle out-of-state opportunities as PRM is licensed to do business in Oregon and Washington.

My husband Christopher and I along with our two children love to explore the Northwest mountains and coast whenever possible. Sunriver is a favorite local getaway while Hawaii is a favorite long-distance adventure. When not away, I donate my time to a local ministry helping them stage events to rebuild lives and relationships for women. I also serve on the Board of Directors for our Albany radio station with a focus on family-friendly programming. My desire by engaging in these activities is to help instill joy in people’s lives, a desire also carried over to my profession.

I have many long-time clients including individual buyers and real estate agents located up and down I-5, from the Portland Metro area to my local market of Albany/Corvallis. Whether your desire is for a home purchase, a refinance, or a commercial real estate investment, I offer the knowledge and breadth of experience to provide a lending experience you will enjoy. Please call or email me for a friendly, no commitment consultation. I’m here to build long-term relationships, not just to do transactions, so as to become your lender for life.

“I had the pleasure of working with team Hubbard on my home purchase and could not be any happier. Kristina and Robert provided exceptional response times and were always ready to answer any questions I had. Being a first-time homebuyer is tricky since everything is foreign, but the team gave me confidence that I was in good hands and I knew that they were looking out for me. They proved that they had my best interests at heart not only through their responses but through every one of their actions. I worked very closely with Lisa who was extraordinarily responsive to my calls and emails and absolutely pleasant and professional every step of the way. The ease and speed of my purchase is highly attributed to Pacific Residential’s dedication to my satisfaction and Lisa’s commitment to my timeline. If I could do it all over again I would not hesitate one second to use PRM for my purchase. As you navigate the stress and complication of buying a home, make sure you have the best team in the business at your side, PRM!” – Josiah S.

“Recently had an active duty military family transferring to our area.  The team at PacRes Mortgage did an outstanding job getting them qualified to buy – and helped them navigate the entire process to close early!  In addition, they also made sure the buyers were able to take advantage of all military discounts (to the tune of over $1300).  Great Job! Thank you.” – Dave P.


“Kristina and her team are absolutely amazing to work with! They made obtaining a loan such a smooth and well-organized process. It took a ton of stress off my wife and I as we were moving in from out of state and had a lot to tackle. Throughout working with them, they were very kind, professional, and instilled a sense of confidence that everything was being handled by very capable hands. I can’t thank her team enough for the excellent experience. We were able to obtain a loan for a new home purchase in under 30 days which made my wife happy…and thus me happy. Happy wife, happy life. Thank you, Kristina!” – Anthony A.


“Kristina Hubbard and her team really worked hard to get my loan completed quickly. She and her team were very enthusiastic and helpful. All my questions were answered quickly and in a way that helped me understand the process. Thank you!” – Kelly M.


“WOW!!! What an AMAZING team! Lisa and Kristina are gods in the biz!! They were able to coordinate SOOO many moving pieces between the sale of my home and the purchase of my new home! There were numerous hiccups beyond my control (my buyer and their representatives) that Team Hubbard was able to iron out and still get us completed early! I can’t recommend these ladies enough!! What an absolute pleasure and honor to have them representing the process! If you want FAST, EFFICIENT, and EASY!!! THIS is DEFINITELY the group to go through!!” – Nate R.