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Headshot Krista Natoma

Krista Honig

Senior Mortgage Consultant
NMLS#: 289126
DRE#: 01267343

Phone: (916) 505-5343

Welcome, here is a little bit about me

I am Krista Honig, loan officer at Inner Circle Mortgage. I started in the mortgage industry in 1997 with   R & R Mortgage as a loan processor. After two years of learning the ins and outs of the loan business I began studying for my real estate license and in 1999 became a loan officer. With 25 + years of experience and closing over 10,000 transactions, I have learned how to navigate all aspects of the loan industry and can provide my clients with extensive knowledge to make the process smooth and stress free.


Over the years I have worked with a variety of lenders from B of A, Wells Fargo, Chase, US Bank, and more recently Rocket Mortgage, Loan Depot and Homepoint. I am confident that I can provide you with the best possible service as well as the most competitive rates. I still do all of my own processing so I am your contact for the entire process, start to finish. I can offer assistance with Conventional loans, Jumbo loans, FHA and VA, as well as second mortgages and home equity lines of credit.


On a personal note I am most proud of my family. My husband Greg and our two sons. Graham and Miles. Recently we welcomed our daughter in law Nicole to the family and she just blessed us with our granddaughter Beckham. I love to spend my free time boating, cooking, or simply walking my spoiled Havanese. We are a dog friendly office and sometimes you will see several of them if you stop by.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Closing

Documents are drawn and sent to the title company for closing.

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