Stephanie Kruckenberg · MLO · NMLS #2056158 · Fidelity Direct Mortgage

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Stephanie Kruckenberg · MLO · NMLS #2056158 · Fidelity Direct Mortgage

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Sr. Mortgage Loan Originator · FDM · Equal Housing Opportunity · NMLS 2056158 · State ahmcloans.com/state-licensing

10/21/2026

🏡 REALTORS & HOMEBUYERS: Automated Underwriting Is Getting Tighter!

10/05/2026

Love helping my clients achieve their goals! What's yours? Let's connect!

10/01/2026

Another Rescue Loan....
🏡 Celebrating my clients on the purchase of their new home!
🎉This one was especially meaningful because the journey was anything but smooth.

My clients initially started with an online lender, but unfortunately, their loan did not make it to the closing table.

Fortunately, they were connected with me—and I was able to review the situation and identify a path forward and ultimately secure the financing they needed to close on their new home. 🙌

Here’s the hard reality: Just because someone can pick up the phone and talk to you about a mortgage doesn’t mean they have the Mortgage IQ to get your loan closed.

Mortgage financing can be complicated. Experience matters. Knowledge matters. And having a team behind you that is committed to finding solutions and getting you to the closing table matters.

I’m incredibly grateful my referral partners, Gary McCullough with Lynchburg's Finest and Daniel Bennett with Damon Gattier, and their clients trusted me to help turn a frustrating situation into a CLOSING DAY celebration! 🏠🔑🥂

Thinking about purchasing a home? Let's connect. Having the right mortgage professional in your corner can make all the difference.

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09/30/2026

Yes, rates are up — the highest they’ve been since November 2023.
So, what does that mean for buyers?

🏠 It can be a great time to buy. Here’s why:

When rates are higher, there is often less competition, giving buyers more opportunity to negotiate — including closing cost assistance that may be harder to secure when rates come down and competition increases.

Think basic supply & demand:

📈 Rates go down → More buyers → More competition → Home prices may rise
📉 Rates go up → Fewer buyers → Less competition → More negotiating power

What buyers should focus on:

• You lock in your purchase PRICE once.
• You can refinance if rates improve.
• Focus on affordability — not just the interest rate.
• What monthly housing payment fits your budget?
• Owning a home can help build equity, net worth, and generational wealth.

Buy the home when the price and payment make sense for you.
Refinance when interest rates make sense.

Don’t wait for the perfect rate to buy the right home. Let’s connect and start building your net worth!

09/10/2026

Mortgage IQ Matters. Ever grateful for my clients, referral partners, and the Team at FDM! Thinking about purchasing or refinancing? Let's connect!

08/20/2026

Helping families achieve their goal of homeownership!

Celebrating with the families I helped to take the direct path to homeownership! Thinking about purchasing? Let's connect!

08/19/2026

Celebrating with the families I helped to take the direct path to homeownership! Thinking about purchasing? Let's connect!

07/20/2026

Love helping my 1st time homebuyers!

Click to see all 79 reviews of Stephanie Kruckenberg, Sr. Mortgage Loan Originator

07/20/2026

Love helping my clients achieve their homeownership goals!

Click to see all 79 reviews of Stephanie Kruckenberg, Sr. Mortgage Loan Originator

07/17/2026

Address

165 Passaic Avenue, Suite 411
Fairfield, NJ
07004

Telephone

+18152898778

Website

https://skruckenberg.fidelitydirectmortgage.com/

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