Senior Mortgage Consultant & Mentor
For over 30 years, Crista Lowrie has helped more than 5,000 Pennsylvania families achieve their dream of homeownership — with a rare combination of family legacy, financial education, and a genuine commitment to every client's long-term success.
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Meet Crista
Crista Lowrie is a Senior Mortgage Consultant & Mentor with over 30 years of experience helping Pennsylvania families achieve the dream of homeownership.
Raised by two extraordinary parents — her mother Regina Lowrie, the first woman President of the National Mortgage Bankers Association and founder of Gateway Funding (a $3.5 billion company), and her father Bob Lowrie, a physicist turned golf pro — Crista inherited both the analytical rigor and the deep humanity that define her approach to lending.
She has helped over 5,000 families achieve homeownership, runs on 100% repeat and referral business, and has built her practice on a foundation of financial education, unwavering honesty, and the belief that nobody is unhelpable.
Her Potential Protection System — including 52 educational emails in year one, twice-monthly homebuyer classes, and custom budgeting tools — ensures every client is empowered, not just approved.
The Book
Part memoir, part financial playbook. Opening Doors to Homeownership shares the wisdom of a life lived in service to families building their futures.
This isn't just another book about mortgages — it's a master class in transforming lives through financial empowerment. Crista's systematic approach has created a blueprint for success that benefits both industry professionals and first-time homebuyers alike.
— Joe Stumpf, Founder, By Referral Only
Inspired by her mother Regina's journey from Tupperware sales to a $3.5 billion mortgage company — and the values of integrity that shaped it all.
Why your first home is a stepping stone, not a forever home. Practical strategies for creating generational wealth through real estate.
The Potential Protection System: custom spreadsheets, 52 educational emails, and a team that treats your dreams as their own.
Inside the Book
Click any chapter to read the full content.
Have you ever wondered what it takes to create a legacy that truly matters? Crista learned those lessons at her mother's kitchen table, watching a woman who started by selling Tupperware and ended up transforming the mortgage industry.
One of the most valuable gifts Crista's mother gave her was an understanding that honesty isn't just a virtue — it's the foundation of every successful relationship. When Regina Lowrie built Gateway Funding from the ground up, she did it by being straightforward with everyone, from the newest employee to the biggest investor. That's exactly the approach you'll get from Crista.
Regina demonstrated three core principles that Crista brings to every client relationship: unwavering honesty even when it's difficult, genuine generosity that goes beyond the transaction, and a relentless work ethic that doesn't quit until the job is done.
In 2007, when many mortgage companies were pushing risky subprime loans, Regina sold Gateway Funding because she refused to participate in practices she knew would harm homebuyers. Real success isn't about short-term profits — it's about doing what's right for the people who trust you with their dreams.
Regina Lowrie became the first woman President of the National Mortgage Bankers Association not because she was trying to break barriers, but because she was focused on making the industry better. That legacy of leadership, integrity, and genuine care shapes every conversation Crista has with her clients today.
While Crista's mother shaped her business instincts, her father Bob Lowrie — physicist, golf pro, and teacher — taught her the art of patient, analytical problem-solving. His journey showed her that sometimes the most profound impact comes from the quietest source.
Bob's background as a physicist instilled in Crista a methodical approach to every loan scenario. When reviewing loan options, she isn't just looking at surface numbers — she's analyzing every detail to ensure the most advantageous terms possible. This mindset has solved countless situations that other lenders dismissed as impossible.
Bob's greatest gift was his extraordinary patience — he never rushed to judgment or pushed for quick decisions. This patience becomes the client's advantage: no pressure to make hasty decisions about your mortgage. Like his lesson about wallpapering a condo, Crista balances thoroughness with practicality — attention to detail matters, but perfect shouldn't be the enemy of good.
Bob demonstrated that strength and compassion work together — whether buying blankets for homeless people during museum trips or making everyone feel welcome at his golf club. His approach to leadership wasn't about being the loudest voice. It was about being the most helpful presence. This is exactly how Crista shows up for every client.
Crista's deepest drive is to share financial knowledge that transforms lives and creates generational wealth. The real power in mortgage lending isn't just in approving loans — it's in educating and empowering people to make smart financial decisions that benefit them for generations.
You can have bad credit even if you pay all your bills on time — it's not just about payment history, it's about how you use available credit. Keeping credit card balances below 30% of your limit can dramatically impact your score. This single piece of advice has helped countless clients improve their scores by 40–60 points in just a few months.
Your first home is rarely your last home — it's your first step toward building real wealth. One of Crista's most recommended strategies: buy a duplex as your first property. The rental income from the other unit helps pay your mortgage from day one, and when you move to your next home, you have two rental units generating income.
About 35% of Crista's business comes from first-time homebuyers — many of them first-generation buyers, the first in their families to own a home. She has helped two generations of the same families achieve homeownership. That's the power of long-term thinking and relationship building.
What truly sets apart someone who can help you achieve your dreams from someone who just processes paperwork? After helping over 5,000 families, Crista has discovered that success is about seeing and protecting your potential — and that this isn't just a job, it's a calling.
For every property a client is interested in, Crista creates a detailed cost sheet showing exactly what they're looking at financially — not just the monthly payment, but the complete picture. Custom budgeting worksheets developed over years of helping families succeed give clients clarity and confidence in every financial decision.
Behind every successful transaction stands a carefully coordinated team: Aunt Carol, who brings tenacious follow-through and ensures nothing falls through the cracks, and Tina, Crista's processor and best friend since high school who has been by her side since 1994. Together, they've been helping families achieve their dreams for nearly three decades.
Crista teaches homebuyer classes twice a month and realtor classes every Thursday. Every client receives 52 carefully crafted educational emails in their first year. This commitment to education has resulted in a practice that is 100% repeat and referral-based — no advertising needed.
When Crista tells clients "You're stuck with me," it's a promise. She'll be there when you're ready to buy your next house, when you want to invest, and when your children are ready to start their own homeownership journey. Her database of over 5,900 people includes detailed notes about every interaction, every decision, and every milestone in each family's journey.
The final chapter goes deep into the heart of what Crista has learned about human nature, financial psychology, and the true meaning of service. These seventeen insights will forever change how you think about money, success, and purpose-driven service.
When people share their financial struggles, it's rarely just about the numbers. It's about the unfolding of their relationship with possibility itself. Financial behaviors often mirror childhood experiences with trust and security. Helping someone qualify for a mortgage is really helping them rewrite their narrative about what they deserve and what they can achieve.
Working with her physicist father taught Crista to see each client's financial situation as a field of possibilities rather than a fixed state. Just as a particle can exist in multiple states until observed, a person's financial future exists in multiple states until actions are taken to manifest one particular outcome. This is why she can often spot solutions that others miss.
Trust operates according to its own mathematical principles — not a linear equation where more time equals more trust, but a quantum pattern where small, consistent actions compound exponentially. Each email responded to promptly, each question answered honestly, each promise kept — these are variables in a complex trust equation that can reach a tipping point where a cautious client becomes a lifelong advocate.
Perhaps the deepest insight: mortgage lending, when done with true dedication, becomes a form of spiritual practice — not in any religious sense, but in the profound way it allows service as midwives to people's dreams. When Crista says "You're stuck with me," she's not just making a business promise. She's making a commitment to be a faithful guardian of your dreams.
The Numbers
Three decades of service. One unwavering standard.
Common Questions
Crista brings a combination of family legacy, 30+ years of hands-on experience, and a genuine commitment to your long-term financial success — not just closing your loan. She runs 100% on referrals, teaches free homebuyer classes twice monthly, and sends 52 educational emails in your first year. Her goal is to be your mortgage consultant for life.
Crista believes nobody is "unhelpable." She works with clients on detailed credit improvement plans, often turning a "no" into a "yes" within 30 to 180 days. Credit scores can often be improved by 40–60 points with the right strategy in just a few months.
Absolutely — about 35% of Crista's business is first-time homebuyers. She provides comprehensive education, custom budgeting worksheets, and hands-on guidance from start to close. She has helped two generations of the same families achieve homeownership.
It's Crista's proprietary approach to protecting and maximizing every client's financial potential — including detailed cost analysis sheets for every property, custom budgeting worksheets, 52 educational emails in year one, twice-monthly homebuyer classes, and a complete CRM history so your entire story is at her fingertips whenever you need her.
Crista A. Lowrie is fully licensed and in good standing. Her NMLS license number is #460312 and her Pennsylvania state license number is #475.141779. You can verify at nmlsconsumeraccess.org.
Call or text Crista directly at (215) 498-1516, visit MortgageWithCrista.com, or copy her email from this page. She and her team respond quickly and treat every inquiry with the same care as a lifelong client. There's no question too small and no situation too complex.
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