About Me

“In today’s market, knowledge matters”

Kristin Carroll is the founder and lead mortgage banker for The Carroll Team. Kristin joined the Milestone Mortgage team that ultimately founded Sente in 2000. The Carroll Team understands that to be successful as a mortgage lender you have to consistently exceed customers’ expectations.

Things to know about Kristin:

  • Kristin is a long-time resident of the Austin area, and she also attended the University of Texas at Austin. Hook ’em!
  • Kristin has been in mortgage lending for over three decades and was the President of the Austin Mortgage Bankers Association in 1989.
  • She has won numerous awards for her outstanding accomplishments in the mortgage industry including the Five Star Mortgage Professional and the 2017 Sente Top Producer Award just to name a few.
  • Kristin enjoys spending time with her family, expressing her proudest moments as the births of her four grandchildren, Michael, Dean, Sutton, and Parker.
  • She also enjoys running, golfing, attending UT football games, and spending time with her husband at their condo in Port A.

What type of
Loan is right
for you?

Different people have different financial needs. We have a solution for every situation. How can we help you today?

I'm a first-time
home buyer

After years of renting, it's time to take your next big step: Home Ownership. But where to begin?

I'm an experienced
home buyer

You've done this before, but it's been awhile. Perhaps a few notes on what's changed is in order. 

I'm a U.S. Veteran

You've served your country with honor. Now it's the country's turn to serve you, with the help of a VA Loan.

I am looking to

You already have a loan in place, but your interest rate is nothing to brag about. Maybe it's time to refinance.

I'm a real estate

Looking to buy another home? Here are five tips to consider before you purchase an investment property.

Get Prequalified Today

Apply online or call with questions (512) 422-5934

How It Works

Find out more about our streamlined process, loan products, mortgage calculators, answers to FAQs and more... 

From the Blog

Sente Mortgage Announces Branch Opening in Nashville, Tennessee

Sente Mortgage expands outside of Texas to Tennessee AUSTIN, TX – December 11, 2018 – Sente Mortgage, an Austin-based independent mortgage bank today announced the…

Read More

How to Have a More Secure Mobile Payment Experience

Today’s smartphones can be used for so much–cameras, phones, web browsers, even mobile payments. And while mobile payments can be more convenient—and in some ways…

Read More

Send a Message

All fields are required


  • 901 South MoPac Expressway
    Bldg IV, Suite 125
    Austin, TX 78746
  • Office: (512) 637-9900
    Direct: (512) 422-5934
  • Email: Kristin.Carroll@SenteMortgage.com
  • Operating Hours: Monday - Friday
    8:30 AM - 5:30 PM

Sente Mortgage