As your personal mortgage planner, it is my job to ensure that you have the support, expertise, and consultation that you deserve to make informed and confident decisions throughout the entire loan process. Buying a home is likely the biggest financial decision most people will make in their lifetime and I genuinely want to make that decision as stress-free and as smooth as possible for our customers. My aim is to design and purpose the perfect loan options to align with your unique financial goals.
Born and raised in Upstate New York, I moved to the Washington, DC Metro Area over 20 years ago. I now live in Silver Spring with my wife, 6-year-old daughter, and our American Bulldog/Staffordshire Terrier Lucy. I graduated from American University with a degree in Finance and have built a 15-year sales and marketing career in finance, banking, and consumer packaged goods. I am an avid cyclist, triathlete, and big-time sports fan. When I am not on my bike or going for a run, I am spending time with my family enjoying the outdoors, cheering on the Buffalo Bills or Syracuse Orange, or getting in a round of golf.
Justin Kraeger is licensed in Maryland, Virginia, and Washington, D.C.
All of my customers are enrolled in Mortgages Under Management, a complimentary program that brings together our experienced staff and reporting tools to make sure you have the best terms on your mortgage. My comprehensive approach begins at the planning stages of your home financing and continues throughout the entire life of your loan.
Out of the gate, I'll structure your new mortgage to complement your financial plan, getting you the perfect mortgage at a great rate. I'll consider your financial goals, cash flow, retirement budget, and more - helping you understand each factor
Interest rates change daily. With our Auto-Lock service, I'll help you target a competitive rate and lock it in when it becomes available. Then, I'll work with you to plan for the future by establishing a preset rate target at which a refinance can save you money.
After your loan closes, my work doesn't end. I'll provide RateWatch Reports: quarterly mailings that compare your interest rate to the current mortgage market. You will be alerted when savings are available and always know where your mortgage stands.
No problem. Enroll in my Mortgages Under Management program on the form at the bottom of this page. I'll "adopt your loan" by collecting the necessary information to actively manage your mortgage and alert you to its position in the marketplace.