Raymond Bravo Draper and Kramer Mortgage Corp. NMLS ID # 213751

There are countless benefits to buying a home. The sense of community should not be overlooked!

Merry Christmas to all my facebook friends. Have a wonderful and safe Christmas holiday with your family and friends.

Mortgage rates have fallen recently, and they may be about to drop even further. That means financing a home is now more affordable than before! If you’ve been waiting to buy or take cash out, don’t miss out on this opportunity. Get in touch today to discuss your home financing, or visit my webpage to apply!

Want to pay off your mortgage early? Making bi-weekly payments is one way to make it happen! Have a question about how they work? Drop it in the comments!

Budgeting is the nitty-gritty, for sure. If you have a detailed question about your situation, let’s talk today!

Ask yourself: What would your day look like in this area? If you have more questions- drop them in the comments!

Here’s some more great news for homebuyers, owners and sellers! In addition to the recently announced increase to conforming loan limits, FHA loan limits are also being raised for 2024! FHA loans are popular for offering down payment minimums as low as 3.5% and credit score minimums as low as 580. The new FHA loan limits are available for loans with FHA case numbers on or after January 1, 2024. Contact me today to learn more!

Here’s some great news for homebuyers, owners and sellers: conforming loan limits are increasing for 2024! Conforming loans are popular because they generally offer lower rates, fees and down payment minimums and more flexible qualification requirements than non-conforming loans. Draper and Kramer Mortgage Corp. is offering the new limits effective immediately for conforming loans that lock on or after December 1, 2023 and close on or after December 22, 2023. Contact me today to learn more!

Using our app, DK Xpress™, you can check out the local schools and determine if they pass your test! Have more questions about the homebuying process? Let’s talk today.

Make your homeownership goals a reality! Contact a DKMC loan officer today to get started.

ATTENTION BUYERS! Make your offer stand out and grab attention with a pre-underwritten loan from Draper and Kramer Mortgage.

Here’s one easy way to help keep your home financing on schedule. Have questions? Drop them in the comments or send me a message, I’m here to help!

Happy Veterans Day! Today, we recognize and honor America’s military Veterans for their service to our nation. As a trusted VA home loan lender, we’re always proud to help military-connected clients access their VA benefits to achieve their homeownership dreams.

Protect yourself and your investment with owner's title insurance!

5.0 star review received on Experience.com for Raymond Bravo by Christina M B - Ray communicated and worked hard for us throughout the process.

New ★★★★★ 5 Star Experience.com Review by Christina M B Click to see all 194 reviews of Raymond Bravo, SVP of Residential Lending NMLS 213751

This Halloween, there's no need to be frightened about homeownership. 🏡👻 Let me be your guide to a smooth and stress-free homebuying journey.🔮 Curious about your options? Don't be afraid to reach out - I'm here to help you navigate the process, no cauldrons or spells required! 🎃

Considering buying a home? Take advantage of homeownership education programs or workshops in your area, and remember I'm always here to support your homeownership dreams with valuable resources and guidance. Invest in your future—start your homebuyer education journey today!

Great news for mortgage borrowers! Draper and Kramer Mortgage Corp. is now offering higher limits on several conforming loan programs! Conforming loans are desirable because they are typically easier to qualify for and may offer lower rates and fees than non-conforming (aka jumbo) loans.

Increased limits for all conforming loan programs and for high-balance and government loans are expected to be announced in the coming months, so watch for more news from us.

Contact me today to learn more!

Finance more home with less hassle! Getting a loan for a high-value home doesn't need to be a challenge, and at Draper and Kramer Mortgage, we offer flexible jumbo loan options to help you secure your dream home. Contact me today to learn more!

Mortgage agency Fannie Mae has announced a reduced down payment minimum of 5% for many of its loan options for owner-occupied multi-family homes. This will make homeownership more accessible for buyers who wish to purchase a multi-unit residence and offset their costs with rental income.

The change will take effect on the weekend of November 18, 2023 for standard purchase, HomeReady, HomeStyle Renovation and limited cash-out refinances of owner-occupied 2-, 3- and 4-unit residences. The change will not affect high-balance loans and loans that are manually underwritten.

Contact me today to learn more!

Government loans can be advantageous for a variety of individuals, including Veterans, buyers with limited down payments and those looking to purchase property in rural areas. Contact me today to discuss!

Home security systems not only help keep your home safe, they may decrease the cost of your homeowners insurance, too!

5.0 star review received on Experience.com for Raymond Bravo by Daniel G - Ray went above and beyond helping us get our pre-approval and loan. We were guided throughout the whole process and he answered any and all questions we had, and addressed things we hadn’t even thought of. Ray was even able to get us a quick close which helped us secure our first home. We couldn’t be happier with Ray and the whole process. He was extremely helpful, knowledgable, and ahead of the curve so we always had our end of the transaction done early. We would recommend Ray to anyone and everyone we know

New ★★★★★ 5 Star Experience.com Review by Daniel G Click to see all 193 reviews of Raymond Bravo, SVP of Residential Lending NMLS 213751

Proper maintenance is an important part of homeownership that is sometimes overlooked. Let's make sure you're preapproved with upkeep costs in mind from the very beginning. Contact me today to get started!

We specialize exclusively in residential mortgages, and our team is committed to exceeding your expectations.

Draper and Kramer Mortgage created the DK Buyer’s Edge program to provide qualified buyers with pre-underwritten loans for stronger offers and a streamlined home financing experience.

-Download the DK Xpress™ app for a quick & easy preapproval
-Your preapproval starts the process & shows you how much house you can buy
-Then DKMC pre-underwrites your loan, helping you stand out against other offers
-After signing a contract, your pre-underwritten financing process will be smoother
-Most loan types offer an option to float down to lower rate if available within 25 days of closing

Buying a home? Consider factors like liability protection, personal property coverage and deductibles to be sure your home is adequately insured.