Kristina O’Neill

Sales Manager
NMLS ID #187714

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Licensed In

Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, Washington D.C.

Highlights & Affiliations


Kristina has been in the Mortgage industry for over 20 years. After completing her Master’s Degree in Business Administration she decided to pursue her passion for numbers. For more than two decades, she has used her experience to assist homebuyers with the purchase of their dream home. Whether it is finding the perfect fit for the home buyer that needs down payment assistance or for the move up buyer that is looking for their forever home, Kristina uses her vast knowledge of loan programs to assist each and every borrower.

First Heritage Mortgage underwrites, processes and funds their loans in house. Both Kristina and FHM understand the importance of fantastic communication. Our loan process keeps you informed each and every step of the way. We have state of the art technology that allows you to receive updates on your loan through our LoanNow program.

In Kristina’s spare time she enjoys spending time with her husband and two children. The family loves to Kayak, run and travel to compete in road races. She is actively involved as a Girl Scout Troop leader for her daughter’s and niece’s troops.