Your Path to Homeownership Starts Here

From first-time buyers to seasoned homeowners, we provide clear guidance, open communication, and a seamless mortgage process from start to finish. Our clients and referral partners value how we simplify each step, explain the process in detail, and keep everyone informed along the way.

Meet the Team

  • Stephanie Kirkman

    Branch Manager

    With years of experience in the mortgage industry, Stephanie has built her career on serving families with integrity, care, and excellence.

    Realtors consistently praise her for making the lending process simple and stress-free. Known for her clear explanations and strong communication skills, Stephanie ensures that buyers, agents, and all parties stay informed every step of the way.

    Her mission is simple: to guide families to homeownership with peace, excellence, and heart, creating an experience that’s as seamless as it is successful.

  • Abby Crawford

    Loan Officer | NMLS#1751005

    With over 7 years in the mortgage industry, Abby Crawford brings passion, expertise, and dedication to her role as a Loan Officer at Highlands Residential Mortgage and as Stephanie Kirkman’s Loan Partner. Known for her clear communication, dependability, and personalized guidance, Abby assists Stephanie’s customers and helps guide clients through every step of the home financing journey with confidence.

    Abby takes pride in educating clients while building lasting relationships with local realtors. Her experience with both first-time buyers and rural properties gives her a unique edge in meeting a wide range of real estate needs. If you’re looking for a loan officer who truly cares about your goals and works tirelessly to make your dreams a reality, Abby is the partner you want by your side.

  • Kerra Garica

    Loan Officer | NMLS# 1064098

    With 13 years of experience in the mortgage industry, Kerra brings honesty, education, and dedication to every client she serves. Now proudly part of Highlands Residential Mortgage, she continues her tradition of excellence after years as a top producer and successful branch manager. Recognized as a Top Three TSAHC producer for multiple years, Kerra is passionate about helping families achieve affordable homeownership.

    Clients value Kerra’s clear communication, personalized guidance, and commitment to making the process smooth and stress-free. Known as a loan officer of her word, she works tirelessly to ensure every client feels informed, confident, and supported from start to finish. At Highlands Residential Mortgage, #WeKerraboutYou.