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The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. Republic State Mortgage Co has a wealth of knowledge and resources to assist you in finding the best loan to meet your individual home buying needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.

As an experienced lender, Kristi Black is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Kristi Black can help.


Kristi went above and beyond to find a good loan rate! She communicated clearly and immediately about any questions we had. She was friendly, professional and knowledgeable.

- Kristin Wolfe J.

Kristi has helped us with loans in the past. Every time we have worked with her, she has gone the extra mile to get us the right deal for us, considering all the various scenarios including interest rates, points and duration of the loan. She jumps through hoops and over hurdles for her customers and yet she is always positive and responsive. We are so impressed with Kristi and recommend her highly.

- Stig C J.

Kristi was knowledgeable about every step of the mortgage process which was especially important due to the type of mortgage we were getting. She used her industry experience to make great recommendations on anything she could. Pretty sure we got the best mortgage set up we could due to her.

- Jeremy E.

Kristi made herself available and was resourceful every step of the buying process.

- Tyler S.

The ease of getting the loan and how helpful she was in answering my questions.

- Martha Ann R.

Kristi went above and beyond with all of her amazing hard work. She always communicated with us on everything extremely quickly no matter the time or day. Gave us great advice through the entire process and always had a great positive attitude. We can’t thank her enough for everything and making our dreams come true of being home owners!!

- Stephen K.

For my first time buying a home, and with me being out of the country for the final closing, Republic working with me to get the POA done, and e-signing the documents required made it all a lot easier.

- Aaron V.

Kristi was amazing to work with while purchasing my home. My divorce finalized a month later than anticipated - which held up the money I needed, and Kristi moved mountains to ensure that I didn't lose the new house that I just loved. The Closing had to be pushed back twice, but Kristi never gave up on helping me. I also embarrassingly didn't know as much as I should have about buying a home and how a mortgage worked, and she was so patient in answering each of my questions. I am just extremely grateful for everything...

- Lisa M.

Kristi's personal touch. Customer care was superb!

- Wayne Stephen G.

As a first time home buyer Kristi made the process super easy for us. We really appreciate the work she put in on her side.

- Jaiden M.

Kristi is the best loan officer we've ever had. Her communication is phenomenal, her personality is great, she's extremely clear and efficient and the loan she got us exceeded our expectations. She worked with us years ago on a previous loan and was so GREAT that when we needed another loan, we did not even approach anyone else for a comparison. I can't imagine going to anyone else.

- Dyan H.

Kristi is the best! She approached our account holistically, valuing our entire life’s picture. So grateful for her dedication.

- Noel Federico G.

Kristi was very helpful and so informative. She goes above and beyond to make sure all of your questions are answered.

- Emma Rose M.

Kristi made the loan process easy to understand and execute.

- Andres P.

Kristi is great to work with!

- Michael K.

Kristi was always quick to respond and able to answer all our questions! We appreciated her so much!

- Claire B.

Kristi was a pleasure to work with! She was very helpful throughout the process and was very informative on requirements and what to expect. Excellent service! Highly recommend!


Kristi was instrumental in relaying what was needed from me to complete this home buying process, especially when my realtor was away due to personal reasons. She was able to respond to me in ways i could understand if i had questions, and her replies were always prompt.

- Adam D.

Kristi knows what she’s doing! Perfect amount of communication. Went very smoothly, thank you!

- Kimberly M S.

Kristi had not only my best interests at heart but went above and beyond in her work in getting my home loan approved and held my hand all the way to closing.

- Martha L V.
Kristi Black

Kristi Black

I am licensed in: FL-LO103498 ,  TX

Loan Officer
NMLS ID #: 225119

Direct: 512-587-4137

Apply Online

Contact Kristi Black

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