What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 7pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 8am - 7pm Sunday 8am - 12am

Clifton Krotz, NMLS # 1838840

Home
United States
Lake Elmo, MN
Clifton Krotz, NMLS # 1838840

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Buying a home is a big deal. I make the financing part simple, clear, and stress-free - and l actually answer my phone.

Let's get you home. 🏡

Start your application here⬇️
cliftonkrotz.com

NMLS #1838840

11/02/2026

5.0 star review received on Experience.com for Clifton Krotz by Samuel H

Click to see all 103 reviews of Clifton Krotz, Loan Officer | NMLS # 1838840

11/01/2026

Pre-qualified and pre-approved sound similar, but they serve different purposes. A pre-qualification is based on information you provide, while a pre-approval includes a review of your income, assets, and credit. If you're planning to start house hunting, a pre-approval can help you shop with confidence and show sellers you're serious.

10/31/2026

Happy Halloween! Wishing you and your family a fun and safe night of trick or treating. While you're out and about tonight, here's a fun one to consider: ould you buy a house with a "friendly ghost" next door? Turns out quiet neighbors have their perks. If you're hunting for your own (haunted or not) dream home, I'm here to help make the process a treat, not a trick.

10/30/2026

The Federal Reserve held policy rates steady at its October meeting. While the Fed acknowledged continued economic resilience, a stable labor market, and ongoing inflation concerns, mortgage rates are influenced by many factors beyond the Fed's decisions.

If you've been waiting for rates to change, it's important to remember that market conditions can shift quickly. Rather than trying to time the market, consider whether buying now makes sense for your individual goals and budget.

Read this month's market update on my website to learn more.

10/29/2026

Don’t forget to fall back this weekend! Daylight saving time ends in most areas Sunday, November 1. Turn clocks back one hour before bed Saturday night and enjoy the extra hour!

10/29/2026

The Fed held rates steady, but what does that mean for the mortgage market? 👀

The next Fed meeting in December is one to watch, and the economy will continue to play a big role in what happens next.

Stay informed and be ready for what’s ahead. If you have questions about how the market could impact your home financing plans, let’s talk!

10/28/2026

Curious about a cash-out refinance and whether it could be an option for you? 🏡

There’s more than one way to approach your mortgage, and understanding your options is a great place to start. If you have questions about how a cash-out refinance works, let’s talk!

10/28/2026

Did you know a mortgage payment typically includes more than principal and interest? Property taxes, homeowner's insurance, and in some cases mortgage insurance may also be included.

10/27/2026

Well deserved, Gerry! Great leader, even better person. Congratulations on the recognition!

We're proud to celebrate Gerald Reiter's recognition as one of the 2027 Most Admired CEOs by the Minneapolis-St Paul Business Journal.

This well-deserved honor reflects Gerald's commitment to relationship-focused banking, supporting local businesses and communities, and leading Granite Bank's continued growth across Minnesota.

Please join us in congratulating Gerald on this outstanding achievement and recognition!

10/26/2026

October is National Financial Planning Month, making it the perfect time to review your retirement goals and financial future. From understanding retirement income sources to evaluating housing costs and debt, a few simple planning steps today can help you feel more prepared for tomorrow.

Address

8687 Eagle Point Boulevard
Lake Elmo, MN
55042

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 7pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	8am - 7pm
Sunday	8am - 12am

Telephone

+16512624804

Website

http://cliftonkrotz.com/

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