Clifton Krotz, NMLS # 1838840

06/15/2026

The right time to buy is when you're ready, but if you're on the fence and need guidance, I'm here to help.

06/13/2026

Getting pre-approved gives you a clear budget to shop with and shows sellers and agents that you’re a serious buyer. In a competitive market, that can make all the difference.

If you’re ready to take the next step toward homeownership, contact me today to get started.

06/12/2026

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer inflation. Granite Bank is an Equal Housing Lender.

Markets in a Minute

06/10/2026

Bad credit doesn’t always mean homeownership is out of reach. FHA loans may offer more flexibility with credit requirements than other loan programs, helping more buyers take the next step toward owning a home.

If you’re wondering whether an FHA loan could be the right fit for you, let’s connect today.

06/09/2026

The home buying process can feel intimidating, especially for first-time buyers. However, you don't have to know everything upfront. I'm here to guide you along the way and help you make a plan that suits your life and your goals. Contact me today to get started.

06/08/2026

Home is more than just a place--it represents safety, security, and comfort. If you're looking for a new place to call home, I'm here to help. Bank

06/07/2026

Thinking about an upgrade? A HELOC could allow you to access available home equity to make improvements to your home or other eligible purchases, which may include funds for a down payment on your next purchase.
If you're ready to discuss your options, contact me today.

06/05/2026

I’m going to have to get back to you on that one…

06/05/2026

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new progress. Granite Bank is an Equal Housing Lender.

Markets in a Minute

06/04/2026

June is Homeownership Month, and to get you started on your homeownership journey, I'll be separating common mortgage myths from facts all month long. Here's the first:
Myth: You need a 20% down payment to buy a home.
Fact: There are programs that allow 3% down, 3.5% down, and even 0%, depending on the program and borrower eligibility.
If you're ready to see what your options could be, contact me today.