Rebecca Kraus

Rebecca Kraus | Vice President | NMLS ID #356268
First Savings Mortgage Corporation | NMLS ID # 38694 (www.nmlsconsumeraccess.org) | Equal Housing Lender

04/06/2026

Let’s talk numbers:

1980s → 14%+ rates
1990s → 10% range
Today → around 6%

Here’s what that means:
📈 Rates move in cycles
💰 Home prices appreciate long-term
🧠 Smart buyers use data, not fear, to make moves

Waiting for the “perfect” rate might cost you the perfect opportunity.

You can always refinance.
You can’t re-buy at 2026 prices.

💬 Contact me to calculate your affordability
📌 Save this for future research

03/25/2026

Spring into your next home now! Our Portfolio Bridge Loan lets you buy your next property before you sell your current home—a perfect solution for buyers who have found their dream home, need to write a contingency-free contract, and still have a home to sell first.

Reach out to discuss your specific situation!

02/07/2026

Spring is here, and so is a shifting housing market! Whether you're buying or selling, here’s what to expect:

🌸 More Homes for Sale - Inventory is up 27.5% from last year, giving buyers more choices and sellers more opportunities to find their next home.
🌸 Home Prices Are Moderating - Prices are still rising, but at a slower pace. Buyers get relief, while sellers should price competitively to attract offers.
🌸Mortgage Rates Are Stabilizing - Lower volatility in rates makes planning easier. Buyers, now’s a great time to lock in a rate! Sellers, more buyers are coming back!
🌸 Buyer Demand Is Picking Up - More mortgage applications signal growing confidence. If you’re thinking of making a move, now’s the time!

Ready to buy or sell this spring? Let’s chat!

02/04/2026

The First Savings Portfolio Bridge Loan puts you in the position to leave bidding wars behind! Let's connect to discuss how a bridge loan can help you.

01/30/2026

"Rebecca has been very knowledgeable, responsive and supportive throughout the overall process. She was so persistent & skillful to move the loan process forward even when I was unable to answer her phone call on time or reply to her email. Rebecca was so dedicated in helping my family achieve our goal of homeownership by answering my calls during the evenings and discussing about the next steps. She also played an important role in facilitating First Generation Grant for us as first time home buyer. " - Sahilu W.

08/12/2025

With our innovative products and solid pre-approvals, your clients can possibly make an offer with less contingencies and compete with cash buyers! Tap into our extensive industry knowledge and resources to get your offers accepted.

07/04/2025

Cheers to the red, white, and blue!❤️🤍💙

06/20/2025

Not every borrower fits the traditional mold. That's where our Non-QM loan options come in—flexible financing designed for real life.

04/30/2025

Spring into savings! Ask about our Buydown Options for interest rates up to 2% lower than market.

04/23/2025

Competition is heating up, and if you're ready to land the home, your offer needs to shine. Here are 4 pro tips to stand out this season:

1️⃣ Speak to a FSMC mortgage advisor FIRST – know what you can afford.
2️⃣ Consider an escalation clause to outbid the competition (within your limit).
3️⃣ Be smart about concessions — fewer demands = more attractive offer.
4️⃣ Flex your timeline to match the seller’s needs. Timing can win deals.

Let’s explore your financing options!

04/22/2025

We specialize in creative, flexible financing solutions for non-warrantable condos—so you can move forward with confidence, not compromise.

Address

915 Meeting Street, Suite 1040
North Bethesda, MD
20852

Telephone

+12392202008

Website

https://www.firstsavingsmortgage.com/loanofficer/rkraus/

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