Clifton Krotz, NMLS # 1838840

09/07/2026

Happy Labor Day! Wishing you and your family a safe and happy holiday.

09/04/2026

Rates moved higher during the week ending September 4, 2026, due to rising bond yields and expectations of a possible September Fed policy rate hike. Granite Bank is an Equal Housing Lender.

Markets in a Minute

09/02/2026

Please join us in congratulating our August 2026 7-Figure Funders! 👏

Way to go Hannah Beachem - Granite Mortgage, Paul Krawczyk - Singletrack Mortgage Group, Brooke Ames - Loan Officer - 1826207, Suzie Milberry - Mortgage Loan Originator, Jen Ekberg - Mortgage Advisor, Joe Sheehan - Mortgage Advisor, Olivia Eggen, Loan Consultant, Mike The Mortgage Guy, Anna McKay, Mortgage Loan Originator NMLS #885319, Bryan Palmer - Granite Bank, and all the rest of our top lenders for July 2026!

See the full blog here: https://granitebank.com/august-2026-7-figure-funders/

09/02/2026

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while adjustable-rate loans may start with a lower rate that can adjust over time. Your future plans for the home can help determine which path is right for you. Reach out to learn more about your mortgage options.

08/31/2026

Consider me officially “Back In Office!”

After an unexpected detour, I’m happy to say I’m officially back to work!

What started as a planned heart procedure ended up being a little more extensive than anticipated, which meant a longer recovery and some time away from the office. I’m incredibly grateful for the team at Mayo Clinic, my family, friends, and co-workers who checked in and kept me in their thoughts along the way.

I’m doing well, taking recovery seriously, and feeling very fortunate to be on the other side of it.

I’m excited to get back to helping my clients and working with my team and partners. If you have a client who needs mortgage guidance, or if there’s anything I can help you with, please don’t hesitate to reach out. I’m back and ready to get to work!

Thanks again to everyone who gave me the time and space to recover. It’s good to be back.

08/31/2026

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home purchase without including their current mortgage payment in the debt-to-income calculation, subject to program guidelines and qualification requirements. Individual results vary, and mortgage approval remains subject to application, underwriting, and credit approval. Contact me to learn more.

08/29/2026

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government bonds may be considered differently when calculating reserves. Understanding how your assets are evaluated can help you prepare for home financing. Contact me to learn more.

08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/27/2026

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn more.

08/25/2026

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.