Kristen has been in the commercial real estate lending space for more than 28 years.  In June 2024, she formed Arcus Harbor Real Estate Capital, LLC with her partners to provide clients with the best financing solutions available in the market. With nearly three decades’ experience originating and managing acquisitions and refinancings across all commercial real estate asset classes nationwide with particular emphasis on multifamily, she has originated more than $20 billion in commercial real estate loans.

Prior to forming Arcus Harbor, Kristen was a senior vice president at Capital One Multifamily Finance and its predecessor company, Beech Street Capital. With her partner, Greg Reed, she expanded the company’s presence in the western United States by opening its Newport Beach, California, office. Earlier in her career, she was a vice president of originations, a Freddie Mac product manager and senior underwriter for Deutsche Bank Berkshire Mortgage (DBBM).

Kristen has originated Fannie Mae, Freddie Mac, FHA, CMBS, life company, bridge, debt fund and balance sheet executions and worked with a broad range of loan structures, including fixed and floating-rate debt, tax-exempt bonds, construction loans, rehab and lease-up structures, and credit facilities.

An active member of the commercial real estate community, Kristen has held numerous leadership positions with the Orange County chapter of Commercial Real Estate Women (CREW) and currently sits on its advisory board. In addition, she was the co-chair of CREW Network’s Multifamily Council for the past three years and previously served on both the Fannie Mae Originator Subcommittee and the Freddie Mac Advisory Committee. She is also an advisor on the Audit Committee of Innovative Housing Opportunities, a nonprofit that provides high-quality affordable and low- to moderate-income housing and services.

Kristen holds a Bachelor of Business Administration in Finance from James Madison University.  She lives in south OC with her husband, two children and their dog Howie.  In her free time, Kristen can be found on the soccer sidelines cheering on her kids, enjoying the sunshine or traveling with family and friends.