Karen Flores

Loan Originator


1750 S. Woodlands Village Blvd.

Suite 150




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State Licenses


Karen Flores

I have been in the Mortgage Industry since 1993. I began as a processor for one year and then a Loan Originator for the rest of my career. For a while, I was a mortgage branch manager at Wells Fargo Home Mortgage in Flagstaff for seven years. It all began when I worked for a Real Estate company during my last year of college and 1st year after. I met a loan originator who had an office within the Real Estate office I was working in. I became fascinated by what he said he did. He said he would help me get a job with his company, and 27 years later, I am still hooked! I left once for four years to work with my husband in his business but returned and am so glad I did. The best thing I ever did was come to work at LHM Financial.

One of my many joys in this position is finding ways to finance a home with little to no down. Whether my borrower has credit issues, unique proper-ties such as non-warrantable condos or off-grid/rural homes, finance self-employed that don't have income on tax returns, construction loans, whatever it is; I am invested in getting the financing of their home done. I care about them closing on their home as if I were the one in their shoes. Even when issues arise, I don't run away or avoid calls. I work with all parties to find solutions. I want to provide them with a stressless process for financing their home, whether it is their first home or 10th. I am available to them on evenings and weekends to answer questions and walk them through the process - during the transaction and after the loan is closed. The satisfaction of helping someone who didn't think they could finance a home; get a loan is one the most fulfilling feelings I can gain.

I am currently a committee member of Northern AZ Housing Solutions. This non-profit organization provides down payment and closing costs assistance for low to moderate income families. I am also a member of the recently established Housing Commission for the City of Flagstaff. Our primary purpose is to work with the City departments and City Council to address Flagstaff's housing affordability since we are among the least affordable cities in the state.

When I am not working, I enjoy spending time with my two teenage boys, who are incredibly active in sports; my husband coaches many of our boys' teams and spends many weekends at Lake Powell and Snowbowl with the family.




AMAZING TEAM! The service, rates, and experience are just incredible! I can't say enough about Karen and her team.

- Dave. (Borrower)