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Conventional Loans

More Bang for your Buck

Conventional

If you are seeking a loan that offers significant purchasing power, we recommend considering a Conventional loan. This adaptable loan option provides flexibility in terms of the required down payment and enables you to purchase primary residences, vacation homes, and investment properties. Allow us to demonstrate the multitude of possibilities available to you through Conventional loans.

Ask about our Conventional Quick Close.

W2 Wage Earner Express, WorkNumber Verification
Speedy process: 10 to 15 days from application to funding.
Seller-paid closing costs to ease your financial burden.
Same-day appraisals available, with a waiver of appraisal for qualified buyers.
1% down conventional option for loan amounts up to $350,000, with no mortgage insurance.

Minimum FICO Score.

620 minimum FICO or 640 with mortgage insurance
Contact your mortgage insurance company for details

Down Payment.

1% Down for individuals who qualify for Home One, Loan Amount must be under 350,000 thousand
3-20% minimum for Loans above 350,000k

Occupancy.

Primary residence, second home, and investment properties

Other Highlights.

No mortgage insurance with 20% down or Lender Paid Premium
100% gift funds allowed
Up to 9% seller contribution

Drop us a line.

Laura H. & Christopher M.

We were initially denied by a lender and when our possibilities were limited, Mr. Krauss helped us achieve our dream of getting a model home. My husband is a Veteran and he informed us of discounts and grants that we were not aware of.

Nicholas M.

I was well informed every step of the way never left me guessing all ways their when I had a question all ways very professional and respectful I had a pleasant experience.

Bonnie M.

Consistent communication and being able to trust the process. Richard closed my purchase after it was denied by another lender due to my low credit.

Natalie D.H.

Richard's quick response to any issue or questions I may have had. And his expertise in getting it all handled quickly. I am Self Employed, he was able to close the loan before the due date.

Lorine C.J.

Richard has successfully completed several refi’s for us which is why we brought our latest refi need to him. Our communication was excellent and our current refi went smoothly.

Nadine W.

Richard was able to close my VA Purchase ahead of time with a low credit score of 520. His expertise overcame every hurdle within the process.

Bryan P.

Richard took the time to help a homeless disabled Veteran into a new home. No one would help except for him. He explained how to qualify and executed my purchase ahead of schedule with the builder!

Roberto R.

I was in an active Chapter 13 Bankruptcy, Richard was able to contact the court for approval and assist with my new purchase. He then provided me with the SAH Grant information for disabled Veterans and helped with my disabilities in the new home.

Greg S.

Richard is my old high school friend. We both served in the military, and he was able to explain how I can purchase with a lower credit score. My family has a beautiful home and we are able to start our next chapter!

David S.

Richard executed a Cash Out refi to purchase an investment property. The loan was approved withing 5 Days. Extremely quick turn around and awesome communication. He always answered my questions.

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