Feeling like a full-time interest rate detective? It’s time to pass the baton. If you’ve been refreshing mortgage rate charts like they’re the latest stock picks, you might be a certified “Rate Watcher.” And while your dedication is admirable, there’s an easier, smarter way to stay informed—and save big.
With market whispers about interest rates going up or down, and the Fed signaling future cuts (or not), now’s the time to shift your focus from “watch and wait” to “plan and act.”
Whether you're buying, refinancing, or upgrading your current home, dropping interest rates could mean:
Simply put: it’s money back in your pocket.
Obsessing over rates isn’t just exhausting - it’s unnecessary. I’ve already got my finger on the pulse of the market, tracking trends and timing moves so you don’t have to.
Let me be your Rate Hawk 🦅 - not just a loan officer, but your trusted advisor on when, how, and why to make your next move.
If you're ready to ditch rate anxiety and embrace financial clarity, let’s connect. I’ll help you make informed choices, build a custom strategy, and put your mortgage goals into motion.
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.
