Kris Krajecki Mortgage Broker Huntley, IL

Huntley Mortgage Man Kris Krajecki

Huntley Illinois #1 real estate mortgage man for new home purchase, refinance and cash out home equity rates! Serving Huntley, Lake In The Hills, Algonquin, Crystal Lake, Elgin, South Elgin, Pingree Grove area, as well as all of McHenry and Kane County and beyond...

I am committed to helping you find the right mortgage product for your needs at the best rate. I understand that every borrower is different, and I can offer a variety of loan products and programs to meet your individual requirements. I make the mortgage process simple and straightforward by explaining every detail, so you can feel comfortable knowing that you are making the best choice for you!

Why use Kris Krajecki,
YOUR mortgage broker
instead of a bank?

I have the ability to place your loan and shop your loan to several mortgage banks, and you only need to fill out one application, and many times a broker can reduce your fees and well as your rate and place the
loan with the very same major bank you might have wanted to visit. Brokers are also well known for their
quick turnaround time. I work with my borrowers and Real Estate Agents on evenings and weekends as well! Banks will not service you with any credit problems or disputes. I repair credit and will dispute any credit issues for you at no charge. Call Kris Krajecki at American Mortgage Werks, your full service Mortgage Broker.

Kris Krajecki
Mortgage Specialist

Huntley Illinois #1 real estate mortgage man for new home purchase, refinance and cash out home equity rates! Serving Huntley, Lake In The Hills, Algonquin, Crystal Lake, Elgin, South Elgin, Pingree Grove area, as well as all of McHenry and Kane County and beyond...

I am committed to helping you find the right mortgage product for your needs at the best rate. I understand that every borrower is different, and I can offer a variety of loan products and programs to meet your individual requirements. I make the mortgage process simple and straightforward by explaining every detail, so you can feel comfortable knowing that you are making the best choice for you!

Why use Kris Krajecki,
YOUR mortgage broker
instead of a bank?

I have the ability to place your loan and shop your loan to several mortgage banks, and you only need to fill out one application, and many times a broker can reduce your fees and well as your rate and place the
loan with the very same major bank you might have wanted to visit. Brokers are also well known for their
quick turnaround time. I work with my borrowers and Real Estate Agents on evenings and weekends as well! Banks will not service you with any credit problems or disputes. I repair credit and will dispute any credit issues for you at no charge. Call Kris Krajecki at American Mortgage Werks, your full service Mortgage Broker.

Kris Krajecki
Mortgage Specialist

Mortgage purchase and refinance

American Mortgage Werks (AMW) offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:This is just a short list of our products.
Many more options available. 50 YEAR MORTGAGE
Term: 40 years Significantly lowers you monthly payment f40 YEAR MORTGAGE
Term: 40 years Maximum Amount: $417,000
40 YEAR JUMBO
Term: 30 years
30 YEAR FIXED

RATE IS FIXED FOR THE 30 YEAR TERM OF THE LOAN

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

30 YEAR FIXED INTEREST ONLY

Interest only for the fist 120 months then becomes principal and interest payment.

Term: 30 years Maximum Amount: $417,000
30 YEAR JUMBO FIXED

RATE IS FIXED FOR 30 YEAR TERM OF LOAN.

Term: 30 years Maximum Amount: $650,000

30 DAY LOCK PERIOD

20 YEAR FIXED

RATE IS FIXED FOR 20 YEAR TERM OF LOAN.

Term: 20 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

15 YEAR FIXED

RATE IS FIXED FOR 15 YEAR TERM OF MORTGAGE.

Term: 15 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

15 YEAR JUMBO FIXED

RATE IS FIXED FOR 15 YEAR TERM OF MORTGAGE.

Term: 15 years Maximum Amount: $650,000

30 DAY LOCK

10 YEAR FIXED

RATE IS FIXED FOR THE 10 YEAR TERM OF THE MORTGAGE.

Term: 10 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

1 YEAR ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 1 YEAR AND THEN ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

1 YEAR JUMBO ADJUSTABLE RATE MORTGAGE

RATE ADJUSTS ANNUALLY

Term: 30 years Maximum Amount: $650,000

30 DAY LOCK

3/1 ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 3 YEARS AND THEN ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

3/1 JUMBO ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 3 YEARS, THEN ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $650,000

30 DAY LOCK

5/1 ADJUSTABLE RATE MORTGAGE

INTEREST RATE IS FIXED FOR 5 YEARS. AFTER 60 MONTHS IT ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

5/1 JUMBO ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 5 YEARS AND THEN ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $650,000

30 DAY LOCK

7/1 ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 7 YEARS. AFTER 84TH MONTH THE RATE WILL ADJUST ANNUALLY.

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK PERIOD

7/1 JUMBO ADJUSTABLE RATE MORTGAGE

RATE IS FIXED FOR 7 YEARS AND THEN ADJUSTS ANNUALLY.

Term: 30 years Maximum Amount: $650,000

30 DAY LOCK

30 YEAR FIXED STATED INCOME

RATE IS FIXED FOR 30 YEAR TERM OF MORTGAGE. INCOME IS STATED ON APPLICATION AND NOT VERIFIED. FULL ASSETS VERIFICATION IS REQUIRED FOR THIS PROGRAM.

680 SCORE REQUIRED WITH LOAN TO VALUE AT 80% OR LOWER.

WE HAVE OTHER PROGRAMS THAT WAIVE THESE REQUIREMENTS.

Term: 30 years Maximum Amount: $417,000

30 DAY LOCK

FLEX 100

100 FINANCING FOR PURCHASES WITH A 30 YEAR FIXED RATE.

Term: 30 years Maximum Amount: $417,000

MUST BE OWNER OCCUPIED SINGLE FAMILY RESIDENCE, CONDO OR PUD. NO RESERVES REQUIRED AND NO INCOME LIMITS. GREAT NO MONEY DOWN PROGRAM.

SHORTCUT MORTGAGE (no income or asset verification minimum 700 score)

REFINANCE YOUR CURRENT MORTGAGE OR PURCHASE A NEW ONE WITHOUT PROVIDING AND PAYSTUBS OR ASSET INFORMATION. CAN BE USED WITH 30 YEAR AND 15 YEAR FIXED OR 3/1, 5/1, AND 7/1 ARMS.

REQUIRES 700 CREDIT SCORE AND 10% DOWN PAYMENT OR EQUITY.

Term: 30 years Maximum Amount: $417,000

REVERSE MORTGAGES OPTION ARMS

Term: Varies Maximum Amount $650,000

JUMBO LOAN PROGRAMS

Term: 1-30 years Maximum Amount: Up to 2.5 million

Kris Krajecki Huntley, IL #1 Mortgage Man!

Agent Information

• We put Our Money Where our Mouth Is! We Guarantee our pre-approvals. Simply put, if your loan doesn't close on the day we commit to or the program and closing cost we disclosed then we pay 1% of the purchase price to the borrower. This commitment is made in writing.*
• Be Assured that Your Deal Will Close on time . The one-day close option is available and has been utilized several times when the borrower's closing is delayed due to the lender or in house processing. We fund the loan at the same rate disclosed and then refinances the borrower within the alloted time. This does not increase the disclosed closing costs one penny.
• Want to Do More Open Houses ? We watch over open houses. If a prospective buyer wishes, a pre-approval can be done on the spot with a laptop and internet connection.
• The Refinance Program allows you to assist past clients in making investments. Offer refinance cash out options to your clients allowing them to have down payment for an investment home.
• Credit Repair . We take prospective buyers that could not qualify and register them in a program with the realtor. YOU. It may take a few months or a couple weeks to ready them for purchase but when they are ready we notify you and proceeds with the closing. Also, The Garbage Credit program has allowed us to take a 493 credit score and close the loan.
• The One Time Lifetime Program is a commitment by us to only charge a loan origination fee one time. This means that the customer can buy as many properties as they wish after the first without incurring a loan origination fee. This commitment is put in writing. We only charge a processing fee and does not have any junk charges. We want our clients' business for a lifetime!
• We can close any type of loan from Condo Conversion to 50 million dollar commercial property. We are currently set up with over 173Lenders allowing us to provide every loan program available.

*This commitment is contingent on truthfulness of the buyer and compliance by the seller.

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A SPECIAL OFFER

FOR REALTORS

IF YOUR CUSTOMERS ARE BUYING AND FLIPPING, BUYING TO HOLD AS A RENTAL, MOVING UP TO A BIGGER HOUSE, OR JUST BUYING THEIR FIRST HOME...........

Don't waste your time; use my time to get your $$ MONEY $$

I WILL COME TO YOU

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I'll Help You Sell Or Buy With:

• Free Credit Checks
• No Application Fees
• Free PreQualification

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Huntley's #1 Mortagage Man!!

• 1 Day Out of BK
• Interest Only Loans
• 15,30,45 Year Fixed Rate
• Home Equity Lines of Credit
• First-Time Home Buyers 100% Financing
• Loans for Stated Income (Cash/Tip Employees)
• Loans for Residential, Multi-Unit and Commercial Purchases
• Bi-Weekly Mortgages Pays Off the Loan In 20.9 Yrs. Versus 30 Yrs
• Great No Closing Cost and Zero Money Down Programs Available Now!

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I'll Sit At Your Open House, And Pre-Qualify Your Customers, At No Charge!!