About Kristin Dail
Kristin Dail is a top 1% mortgage lender based in Dallas and the leader of The Kristin Dail Team at RATE. While her business is rooted in the DFW market, Kristin is licensed across Texas, Oklahoma, New Mexico, and Colorado—helping clients throughout the region secure competitive home financing with confidence. Known for closing loans in as little as 10 days and delivering strategic mortgage solutions, Kristin has become a go-to home loan expert for homebuyers, Realtors, veterans, and relocation clients across multiple states. She specializes in conventional, jumbo, FHA, VA, portfolio, and self-employed lending—tailoring each mortgage strategy to help clients win in competitive markets. With 20 years of experience, Kristin has guided thousands of families toward homeownership while maintaining her signature high-touch, transparent, and relationship-driven approach. Outside of lending, Kristin is a proud wife and mom of two daughters and is passionate about empowering women to build financial independence while balancing career and family. Whether you're buying in DFW, Austin, Tulsa, Santa Fe, Denver, or anywhere in between, Kristin and her team are here to help you navigate the home loan process with clarity and confidence. 👉 Ready to get started? Apply now or schedule a quick consultation.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 3838 Oak Lawn Ave, Suite 1250 Dallas TX, 75219
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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