STATE OF CALIFORNIA
DEPARTMENT OF REAL ESTATE

In reviewing a licensee's information, please be aware that license discipline information may have been removed from a licensee's record pursuant to Business & Professions Code Section 10083.2 (c). However, discipline information may be available from the California Department of Real Estate upon submittal of a request, or by calling the Department's public information line at 1-877-373-4542.
The license information shown below represents public information. It will not reflect pending licensing changes which are being reviewed for subsequent updating. Although the business and mailing addresses of real estate licensees are included, this information is not intended for mass mailing purposes.
Some historical disciplinary action documents may not be in compliance with certain accessibility functions. For assistance with these documents, please contact the Department's Licensing Flag Section.

License information taken from records of the Department of Real Estate on 12/14/2025 4:51:39 AM
License Type:
BROKER

Name:
Cowan, Kristi Helene

Mailing Address:
2071 WAGON WHEEL CT
ESCONDIDO, CA 92026

License ID:
01157955

Expiration Date:
01/18/26

License Status:
LICENSED

MLO License Endorsement: 

NMLS ID: 287412 (Click here to check the status of the MLO License Endorsement )

Salesperson License Issued:
04/13/93 (Unofficial -- taken from secondary records)

Broker License Issued:
01/19/02

Former Name(s):
NO FORMER NAMES

Main Office:
2071 WAGON WHEEL CT
ESCONDIDO, CA 92026

DBA
NO CURRENT DBAS

Branches:
NO CURRENT BRANCHES

Affiliated Licensed Corporation(s):
01290132 - Officer Expiration Date: 12/08/18
Sunset Mortgage Inc
OFFICER LICENSE EXPIRED AS OF 12/09/18

01841462 - Officer Expiration Date: 05/16/16
Real Equity Advisors Inc
OFFICER CANCELED AS OF 09/30/14

Comment:
07/15/22 - H-05318 SD

11/08/22 - SUSPENDED 90 DAYS--STAYED FOR 1 YEAR ON TERMS AND CONDITIONS

11/08/22 - MORTGAGE LOAN ORIGINATOR LICENSE ENDORSEMENT SUSPENDED FOR 180 DAYS

05/08/23 - H-05318 SD RELEASED

NO OTHER PUBLIC COMMENTS

Disciplinary or Formal Action
Documents:
H05318SD_220715_P.pdf

H05318SD_221108_P.pdf

>>>> Public information request complete <<<<