A.J. Kratz, Tennessee Mortgage Planner (First Tennessee Home Loans) Mortgage and Lending



A.J. Kratz
Tennessee Mortgage Planner
location_on Memphis, TN — First Tennessee Home Loans
Get to Know A.J. Kratz

I have been a residential loan officer in the  Memphis area  for several years now. My passion has been to give each client professional advice that makes a real difference in thier life. I am committed in helping you choose a home financing option that is in line with your long and short term financial goals as well as helping you achieve your equity and monthly payment objectives.

For Consumers

Dedicated to worry free closings, incredible customer service, and commited to helping you build personal wealth. Responsible lending. Always giving you the best loan and best rate, the first time, every time. Zero Down, 100% Financing, for purchases and the lowest rates in the state for your refinances! Located minutes from Memphis in charming  Collierville, TN. I take evening and weekend appointments.Help you manage your home financing options thoughout your life so that you may achive all of your finacial goals.  

For Real Estate Professionals

Pre-approvals given same day. I guarantee that they are accurate and all factors have been considered, including occupancy, borrower's ability, loan products, etc. The right loan, the first time, every time, guaranteed. Experienced, professional and timely. Able to close loans in all 50 states 21 Day Closing Guarantee (or less), Client Satisfaction Guarantee. Your deal closes on time the first time every time. Not afraid to tell you NO. No overpromising, only results. In house processing, underwriting, exception desk, and funding. NO CENTRALIZED PROCESSING! Team of processors to manage heavy loads that remain dedicated to fund your client's loan in time, every time. We are the bank, no waiting on investors to determine if the loan is viable.  Hundreds of loan programs, including no money down, interest abatement, and pay option loans. My Community home program waivers means 0 down for your borrowers! Work nights and weekends for your convenience.

If you are looking for professional friendly advice on the purchase of your home or refinancing your existing loan, I can help you today! I am trustworthy, reliable, and completely dedicated to doing what right for you every single time! Call me today and experience what it's like to work with someone you can trust for life.

Realtors, I want to grow your business and team with you to close more deals. I pride myself on not only handling your leads but bringing leads to you as we develop our business relationship.

Call me today to discuss working with a true mortgage professional, Your trusted and respected Mortgage Advisor who will treat your clients like they were mine.


Mortgage Planning Specilist . 100% Financing, VA, FHA, Construction. I have lived in the Memphis Area for over 20 years. Call today (901) 210-2517! I Work nights and weekends.