VA Loans

You dedicated yourself to our country, now is our chance to serve you.

VA Loans with Richard Krauss

At Mortgages by Richard, we express our gratitude for your service and aim to honor you by offering VA loans. If you are a veteran, active-duty personnel, or the surviving spouse of a veteran, we encourage you to utilize your VA benefits to finance your home purchase. This loan option entails no down payment and eliminates the need for mortgage insurance, resulting in lower monthly payments. We are excited to collaborate with you every step of the way to create a brighter future. Reach out to us today to discover more about these government-backed loans.

Minimum FICO Score.

Zero credit is needed.
Alternative Tradelines may be submitted as proof for on time payments over a 12 month period.
Credit will dictate the cost associated with the rate at time of Purchase.

Down Payment.

No down payment required

Occupancy.

Primary residence

Other Highlights.

Upfront funding fee financed
No monthly mortgage insurance required
100% gift funds allowed
Up to 8% seller contribution towards closing costs and personal debts.

Drop us a line.

Laura H. & Christopher M.

We were initially denied by a lender and when our possibilities were limited, Mr. Krauss helped us achieve our dream of getting a model home. My husband is a Veteran and he informed us of discounts and grants that we were not aware of.

Nicholas M.

I was well informed every step of the way never left me guessing all ways their when I had a question all ways very professional and respectful I had a pleasant experience.

Bonnie M.

Consistent communication and being able to trust the process. Richard closed my purchase after it was denied by another lender due to my low credit.

Natalie D.H.

Richard's quick response to any issue or questions I may have had. And his expertise in getting it all handled quickly. I am Self Employed, he was able to close the loan before the due date.

Lorine C.J.

Richard has successfully completed several refi’s for us which is why we brought our latest refi need to him. Our communication was excellent and our current refi went smoothly.

Nadine W.

Richard was able to close my VA Purchase ahead of time with a low credit score of 520. His expertise overcame every hurdle within the process.

Bryan P.

Richard took the time to help a homeless disabled Veteran into a new home. No one would help except for him. He explained how to qualify and executed my purchase ahead of schedule with the builder!

Roberto R.

I was in an active Chapter 13 Bankruptcy, Richard was able to contact the court for approval and assist with my new purchase. He then provided me with the SAH Grant information for disabled Veterans and helped with my disabilities in the new home.

Greg S.

Richard is my old high school friend. We both served in the military, and he was able to explain how I can purchase with a lower credit score. My family has a beautiful home and we are able to start our next chapter!

David S.

Richard executed a Cash Out refi to purchase an investment property. The loan was approved withing 5 Days. Extremely quick turn around and awesome communication. He always answered my questions.

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