Credit Tool Kit - Sandy Krestan

We are now licensed in Arizona, California, Florida, Illinois, Minnesota, Missouri, Nebraska, South Dakota, Tennessee, & Virginia

Credit Tool Kit

Tools to Help You Succeed In Your Credit Journey

I remember when credit scores didn’t even exist, we did things the old fashion way looking at your payment history. Now though, every part of our world rises and falls on your credit scores. From car insurance, credit cards, auto loans and your home mortgage. With that being the case, it is very important to know your credit scores and learn the best tips, tools and strategies to keep it as high as possible. This is a great place to do that.

Credit Score Drop?

Avoid identity theft

Credit Myth Busters

Sign Up For Homebot!

Homebot it the perfect tool for homeowners who want to save money and build wealth. The app delivers personalized, actionable insights, with your branding, to help your clients track and build wealth with their home.

Rebuild Credit

Credit during divorce

Higher Credit Score Tips

Know the Score

Credit Score Above 800

Credit Score Elements

Credit Scores: Why Care?

Bragging Rights

Sandy Krestan and the Krestan Team have been so amazing! Buying a home can be exciting and stressful at the same time. Sandy and her team made sure to take the stress off of buying a home. They have excellent communication and answered any questions we had. The process was easy and smooth. If you are in the market and looking for an excellent mortgage provider, I would highly recommend using Sandy Krestan!

- Shannon H

Bragging Rights

Sandy and the Krestan Team were incredibly helpful and encouraging along the way. I never had trouble getting a hold of them and they were always patient with us as first time home buyers. We were able to do a quick close and stayed on schedule throughout it all! Thanks Krestan Team!

- Tyler J

Bragging Rights

Sandy Krestan and Team are always on the ball and quick to get things done correctly. I have done two mortgages with them and have been completely satisfied both times. Great people to work with and great customer service!

- Tyler M

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We were very fortunate to have been referred to Sandy and her team for our mortgage needs. The process to obtain our mortgage was efficient and as seamless as possible. We felt like we were part of the team. They were always on top of whatever needed to be done. We can’t thank them enough for the all of the work that was put in to ensure our mortgage closed on time. They were an important part of helping to make a long time dream come true.

- Kim B

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Sandy and her team are top notch. They are great communicators and are always in touch with my clients throughout the entire transaction. I highly recommend The Krestan Team powered by Fairway Mortgage!

- Matt C

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Absolutely love the Krestan Team. They made the buying process easy. We were first time buyers and very nervous. They helped us with every step. Thanks Team Krestan.

- Katt Y

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If you need a mortgage, call Sandy, period! Sandy and her team are professional, dedicated, knowledgeable and reliable. They were a pleasure to word with. She helped us with our new home build that had various challenges. Sandy was always calm and reassuring.

- Jeff S

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Sandy and her team are the best. From loan approval to closing they stay in constant communication with all parties involved. Don't even think of using someone else.

- Dave S

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Sandy and her team are hands down the best lenders I have worked with professionally and personally. Sandy and her team keep the process professional, easy and consistent. After completing millions of dollars in sales with her, it's safe to say she's the best. You won't find a harder working lender to get the job done and get it done right. Stop bothering with others- she's the one.

- Danae H

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WOW!!! Sandy and her team really went over and above expectations to get this last one closed for my client! So fast, professional, and knowledgable. Thank you so much!

- Teri F

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Absolutely amazing support. We were able to move so quickly into the process of buying our home because this team responds quickly and clearly. Most comfortable and low stress transactions we've ever had. They also are local, donate to rescue animals and answer questions directly not a "helpline" Highly recommend!

- Corinne C

Bragging Rights

Sandy Krestan and her amazing team at Fairway Independent Mortgage Corporation is our go-to group for all of our mortgage needs. Sandy has helped my husband and I with mortgages and refinances, and she has helped many of my Real Estate clients become very happy homeowners. Hands down - THE BEST - top of their game - HIGHLY RECOMMENDED!

- Christine S

Bragging Rights

The Krestan Team were amazing, organized and keep us informed along the way. I would not hesitate to use them again or recommend the Krestan Team to my friends and family!!!!!

- Travis B

Bragging Rights

Sandy and her Team are Amazing! Sandy will go to leaps and bounds to help in any way she can! Great person all around!

- Jody F

Bragging Rights

I've worked with Sandy and her team on 2 purchases and a refinance. All were super easy, and the rates and closing costs they gave me were lower than my credit union! Highly recommend The Krestan Team.

- Sarah A

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Sandy Krestan and her whole team were great to work with and certainly would use them if needed in the future.

- Maxine H

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Friendly, helpful, professional, and knowledgeable team of people. Made the entire process a lot easier to bear. Kept in constant contact throughout. Highly recommended!!

- Lynda M

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It was very efficient, we had to switch lenders in the middle of our loan process because the other lender kept dragging their feet and not even telling us what is was they wanted from us. Sandy took over mid stream and made it all happen at wrap speed.

- Patsy R

Bragging Rights

As always Sandy and her team were quick to respond when I had questions and kept me informed throughout the whole process. A big thank you to everyone.

- Ben B

Bragging Rights

Great communication, clarity and involved team.

- Raymundo S

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Everything was much simpler and faster than I thought it would be. It was all surprisingly low stress and everyone was very patient and helpful and not afraid to answer many questions.

- Samuel L

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Timely feedback on process status-positivity and willingness to assist with any questions.

- Elisa L

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Communication made the whole experience smooth!

- Courtney S

Bragging Rights

Hi Sandy, I wanted to say a big thank you to you and your team for coming to the rescue when my buyer's lender couldn't get the job done. You were amazing to step in at the last minute and still get us closed on time. You are my favorite mortgage company.

- Kathy H

Bragging Rights

The team was wonderful to work with! The process could not have been easier! Thank you for making our first home buying experience so seamless!

- Veda C

Bragging Rights

Attentive and superior customer service. Would and will use again.

- Andrew S

Start your journey with us

480-420-7107

TheKrestanTeam@Fairwaymc.com

11811 N Tatum Blvd
Suite 2700
Phoenix, AZ 85028

480-420-7107

TheKrestanTeam@Fairwaymc.com

11811 N Tatum Blvd
Suite 2700
Phoenix, AZ 85028

Start your journey with us

With the mortgage and real estate market changing ever 2.5 seconds, it is tough to stay in the know. That’s why we’re here! Sign up for our newsletter below and we will send you all the tips and news you need to know. We’ll do all the hard work, you just have to sign up!

LOAN OFFICER LICENSING: We are now licensed in Arizona, California, Florida, Illinois, Minnesota, Missouri, Nebraska, South Dakota, Tennessee, and Virginia! LO-0923793 NMLS-153369 Sandra Lynn Krestan AZLO-0923793 NMLS-153369
11811 N Tatum Blvd #2700, Phoenix.

Copyright ©2025 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. All rights reserved.

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