Empowering Your Journey to Homeownership

Expert Guidance Tailored for First-Time Homebuyers, Veterans, and More!

Justin Kraeger

Mortgage Loan Originator | NMLS# 2081169

Meet Justin Kraeger, your dedicated guide through the mortgage landscape. As someone who has not only lived in military towns but also boasts a deep family connection to the military, Justin understands the unique circumstances that both veterans and first-time homebuyers face when purchasing a home. His brother’s service in the Navy has given Justin a profound respect for the sacrifices of military families, which drives his commitment to providing tailored, supportive service to veterans.

Justin’s journey into the mortgage industry was fueled by a desire to make homeownership more accessible and understandable. Having witnessed the challenges and complexities of securing a home loan, he decided early on to focus on educating his clients, empowering them with knowledge and confidence.

Whether it’s explaining the nuances of VA loans or guiding a first-time buyer through their initial home purchase, Justin believes that a well-informed client is best positioned to make decisions that suit their long-term goals.

Contact Justin

"Every client’s dream of homeownership is unique, and it’s my privilege to be part of that journey. My approach is all about personal connection and tailored advice—because your best interest is at the heart of what I do."

- Justin Kraeger

We have solutions for you.

Mortgage Calculators

Curious about your potential mortgage payments or interested in exploring potential savings through refinancing? Take advantage of our user-friendly online calculators to effortlessly crunch the numbers and get the information you need.

Start Calculating

Our Process

At NEO Home Loans, our mission is to assist you in discovering and implementing a mortgage strategy that aligns perfectly with your unique situation. If you're eager to dive deeper into our process and explore how we can help, we're eagerly awaiting the opportunity to assist you.

Learn More

Our approach is simple: Educate, Guide, Empower.

We break down the mortgage process into clear, manageable steps, ensuring you feel confident and informed every step of the way.

Efficient Preparation

To ensure a seamless process, we'll handle all the necessary documentation upfront. By proactively collecting all the required paperwork, we strive to streamline the entire process, saving you time and effort.

Pre-Underwriting

You'll stand out among multiple offers with our meticulous pre-underwriting review. We go the extra mile to thoroughly assess your application, which enhances your credibility and gives you an edge in the competitive market.

Fast Closings

We understand that time is of the essence, and we're committed to delivering a prompt and efficient experience for our clients. Thanks to our upfront approvals, we have the ability to expedite the closing process in 14 days or even less, whenever necessary.

Accessibility

Rest assured, we're committed to always being accessible and there for you, ready to offer expertise and assistance whenever you need it. Your satisfaction and peace of mind are our top priorities, and we're dedicated to building a lasting relationship based on trust and reliability.

What People Say About Us

"Justin is fantastic to work with! He was able to run and compare multiple scenarios and he took the time to educate me as a first time home owner. Those are some of the most important features which other lenders couldn't provide. Timing was crucial and Justin was active and responsive even during holiday which enabled us to seal the deal in time. Thank you, Justin!"

-Rany T.
"Justin is incredible responsive and offers a truly personalized experience. He made sure to understand our needs and objectives to find an approach that worked best for us, while supporting us on an extremely quick closing. He continued to be available after the home-buying process to answer questions and help us navigate the next stage. A great service and a great adviser."

-Daniel S.
"Justin was so patient with me throughout the entire process. He helped me through every setback that was thrown our way. I got so frustrated at times (especially when he made me face the reality of my budget constraints), but Justin helped me adapt and work through the anxiety I had about taking such a huge step! He’s so skilled at what he does (including acting as a therapist/life-coach) and it is so clear that really cares about his clients. He was extremely diligent in trying to find what was best to fit my circumstances and I truly appreciate that he was so willing to listen whenever I would freak out. I can’t imagine there is anyone better suited to have gotten me through my first home purchase!"

-Saliha M.

NMLS# 150953

Call

Office

2523 S. Wayzata Blvd., Ste 200

Minneapolis, MN 55405

A white background with a few lines on it

Contact Us

For licensing information, go to: www.nmlsconsumeraccess.org | www.goluminate.com | Please review our Disclosures & Licensing information. | Luminate Home Loans, Inc. is a wholly-owned subsidiary of Luminate Bank. Equal Housing Lender. For further information about Luminate Home Loans, Inc., please visit our website at www.goluminate.com. Luminate Home Loans, Inc. NMLS#150953.
Corporate Headquarters: 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405

Do Not Sell My Personal Information Privacy Policy | Disclosure & Licensing