(920) 606-1156 Online Payment
Kristen Ambos picture

Kristen Ambos


Chief Production Officer-Midwest

NMLS: 239731

1050 N Lynndale Drive
Appleton, WI 54914

About Kristen Ambos

For nearly 25 years, I've had the privilege of helping Wisconsin families achieve homeownership with confidence, clarity, and a mortgage experience that feels straightforward instead of overwhelming.

As a Retail Loan Officer and Producing Sales Manager at Point Mortgage, I lead Team Ambos, a group of experienced mortgage professionals committed to one simple goal: making every loan process as seamless, communicative, and stress-free as possible.

Whether you're purchasing your first home, upgrading to your forever home, buying a vacation property, refinancing, or investing in real estate, I believe you deserve honest guidance, proactive communication, and a lender who treats your transaction like it's the most important one on the schedule.

Serving Homebuyers Throughout Northeast Wisconsin

I proudly serve homebuyers and homeowners throughout Wisconsin, with a strong focus on Green Bay, Appleton, Door County, Manitowoc, the Fox Valley, and surrounding communities.

Having spent decades helping buyers navigate local markets, I understand the unique opportunities and challenges that come with purchasing homes across Northeast Wisconsin. From waterfront properties and vacation homes in Door County to family homes throughout Green Bay and Appleton, every market has its own nuances, and every client deserves financing that's tailored to their goals.

Mortgage Expertise You Can Count On

Over the course of my career, I've helped thousands of Wisconsin families finance their homes using a wide variety of loan programs, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA Rural Development loans
  • Jumbo financing
  • First-time homebuyer financing
  • Refinancing
  • Vacation and second homes
  • Investment property financing

No two borrowers are exactly alike. Whether you're self-employed, buying your very first home, relocating, or simply exploring your options, my job is to educate you, simplify the process, and help you choose the financing solution that's right for you.

Experience That Delivers Results

I've been recognized on the Scotsman's Guide Top Originators list for eight consecutive years, one of the mortgage industry's most respected honors, and was named the #1 Female Loan Officer in Wisconsin by purchase loan percentage for three consecutive years.

While I'm incredibly grateful for those recognitions, the accomplishments I'm proudest of don't come with trophies. They're the first-time buyers who never thought homeownership was possible until they received their keys. They're the families who continue to call years later when it's time to buy their next home. They're the Realtor partners who know every pre-approval has been thoroughly reviewed and every transaction will receive proactive communication from beginning to end.

As I often say:

"The awards don't tell the story of how great you are. The repeat clients and the happy reviews always do."

The Team Ambos Difference

At Team Ambos, we believe communication is everything.

Every client deserves to understand what's happening throughout the loan process. Every Realtor deserves updates before they have to ask. Every pre-approval should be thoroughly reviewed and backed by a team committed to delivering smooth, on-time closings.

Our goal isn't simply to close loans. It's to create clients who confidently refer their friends, family, and coworkers because they genuinely enjoyed the experience.

Mortgage Education Matters

I also host two educational content series, Always on Point and Spill the Rate, where I share practical mortgage advice, explain industry trends, answer common home financing questions, and help buyers make informed decisions.

Whether you're wondering how much home you can afford, comparing loan options, preparing to buy your first home, or simply trying to understand today's mortgage market, I believe education creates confident homeowners.

Let's Talk

Whether you're buying your first home, moving across Wisconsin, refinancing your current mortgage, purchasing a vacation property, or you're a Realtor looking for a trusted lending partner, I'd love the opportunity to help.

Proudly serving Green Bay, Appleton, Door County, Manitowoc, the Fox Valley, and communities throughout Wisconsin.

mobile view graphic frame

Mortgage Tips You Can Actually Use
Always on Point Podcast

Whether you're buying your first home, refinancing, or just trying to make sense of today's market, tune in for practical, easy-to-understand mortgage advice. Watch Always on Point  for insights on mortgage rates, loan programs, pre-approvals, vacation homes, and home buying tips designed for Wisconsin buyers.

Frequently Asked Questions

What first-time homebuyer programs are available in Wisconsin?
Wisconsin offers several excellent programs for first-time homebuyers, including WHEDA, HomeReady®, Home Possible®, FHA, and USDA loans. Each program has unique benefits depending on your income, location, and homeownership goals. Your loan officer can help determine which option is the best fit.
What down payment assistance programs are available?
Several down payment assistance programs are available throughout Wisconsin, including WHEDA, NeighborWorks, and local programs such as the Appleton Housing Authority. Eligibility varies by program, and we'll help you explore every available option.
Do Wisconsin teachers, nurses, or first responders qualify for special loan programs?
Yes. As a thank you for serving our communities, Point Mortgage offers eligible frontline workers a $500 credit toward closing costs. We also offer a specialized financing program designed for qualified physicians.
Can I qualify for a USDA loan in Northeast Wisconsin?
Yes. USDA loans are available in many eligible rural and suburban communities throughout Northeast Wisconsin and across the state. These loans can provide 100% financing for qualified buyers.
Can I finance a vacation home in Door County?
Absolutely. Vacation home financing is available in Door County and throughout Wisconsin. Whether you're purchasing a lake home, cabin, or seasonal getaway, we offer financing solutions to fit your needs.
What is the difference between financing a primary home and a second home?
Primary residences often require less money down, with some qualified buyers eligible for as little as 0% down through certain loan programs. Second homes typically require a minimum down payment of around 10%, along with additional qualification requirements.
Can I purchase a waterfront property with a conventional loan?
Yes. Waterfront properties can often be financed with conventional loans, and in many cases may also qualify for FHA, VA, or USDA financing, depending on the property's location and eligibility.
Are there additional lending considerations for lakefront homes?
In most cases, lakefront homes are financed much like any other residential property. The lender and appraiser will simply ensure the home meets standard lending guidelines and has appropriate comparable sales.
Can I finance a seasonal cottage in Wisconsin?
Yes. Seasonal cottages can be financed as long as they are considered four-season homes that are suitable for year-round occupancy and meet standard lending requirements.
How much do I need to put down on a vacation home?
Most vacation home purchases require a minimum down payment of 10%, although the exact amount depends on your financial profile and the loan program you choose.
Can I use projected rental income to qualify for a vacation home?
No. Vacation homes are intended for personal use, so projected rental income from the property cannot be used to qualify. However, documented rental income from other investment properties you own may be considered as part of your qualifying income.
Can I get a mortgage for a home with acreage?
Yes. Homes with acreage can often be financed, provided the property's primary value is the residence itself and the land is considered typical for the area.
Are there special loan programs for rural properties?
Yes. USDA loans are specifically designed to help qualified buyers purchase homes in eligible rural areas and can offer attractive benefits, including no down payment for eligible borrowers.
What if the property has a barn or outbuildings?
That's typically not a problem. Properties with barns, garages, or other outbuildings can often be financed as long as those structures contribute to the property's value and are common for similar homes in the area. The buildings cannot be used primarily for income-producing agricultural operations.
Can I finance a hobby farm?
Yes. Hobby farms can often qualify for residential financing as long as the property is not being used as a commercial, income-producing farm.
Do rural properties require different appraisals?
Rural properties are appraised using the same general process as other residential homes. USDA appraisals follow guidelines similar to FHA and VA loans, with additional requirements to ensure the property meets program standards.
Kristen Ambos picture
Kristen Ambos picture

Kristen Ambos

Chief Production Officer-Midwest

Point Mortgage Corporation | NMLS: 239731

Getting started is Quick & Easy

If you have any questions, I’m here for you

purchase

refinance