Kristal Curley is a trusted mortgage lender with nearly two decades of experience helping clients confidently navigate the home-buying and refinancing process. Based in Salt Lake City, she specializes in VA, FHA, conventional, and retirement-focused loan options, taking a practical and personalized approach to every transaction. Known for making complex lending scenarios feel clear and manageable, Kristal is passionate about education and giving back to heroes in the community, including teachers, military members, healthcare workers, and first responders.