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Purchase and Refinance Mortgages:
With 12+ years of experience in the mortgage banking industry, Kristy is able to offer her clients competitive rates for today's market. Kristy has developed a team of associates over the years that allows her to process mortgage applications in the most efficient and cost effective way.

Financial & Real Estate Strategies by Kristy N. Yenchik
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Short Sales:
A Short Sale is when you have to sell your home for less than what you owe on your current mortgage(s). The process involves marketing your property in the correct way, getting an offer on your property, and negotiating with your mortgage lender to persuade them to accept the Short Sale.

The process of compiling, submitting, and negotiating a short sale is something that not everyone has the knowledge base to do. With Kristy's different areas of expertise, the Short Sale process comes natural, and she has developed a process and a team that has been very successful in their Short Sale transactions.

Mortgage Modification Processing:
There are programs out there that now allow you to "modify" your current mortgage so that it is more affordable for you, and a better loan. This involves submitting a complete file to your current lender and negotiating to make them see why your proposal is in their best interest.  

Kristy can help you through this process as it can be long, drawn- out, and very detailed. Kristy has the benefit of having worked for lenders in the past, so she knows the best way to package your proposal to get the best results.

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Our Services

Notary Public: 
As a Notary Public in New Jersey, Kristy is able to perform mortgage closings for Title Companies as well as notarize other documents for clients.

410 Pershing Avenue, Phillipsburg, NJ 08865      

Phone: (908) 420-8279   Fax: (908) 442-7616   kristyyenchik@gmail.com

Credit Restoration:

As an agent of Financial Education Services, Kristy can assist you with the credit restoration process.


This process can help you remove negative items from your credit report such as: late payments, collections, charge offs, bankruptcies, judgments, liens, reposessions, foreclosures, identity theft/fraud and incorrect personal information. The deletion of these negative items will help increase your credit scores.


Real Estate

As a New Jersey licensed Real Estate Agent with Keller Williams Real Estate in Clinton, NJ, Kristy can help a buyer search for their dream home, as well as help list, market, and sell a current home.


If you are looking to buy or sell outside of New Jersey, Kristy has a large referral network to help you find the right agent for you.


Real Estate license information below.