Michael Kratz

Michael Kratz

Branch Manager

NMLS ID #: 901704

815.955.6028

[email protected]

1900 E Golf Rd Suite 950, Schaumburg, IL 60173

Serving GA, IL, IN, TN, TX & WI

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Hi, I’m Michael

Michael is a dedicated mortgage professional with a wealth of experience and a passion for excellence. Born and raised in the suburbs of Chicago, he learned the value of hard work and community from an early age. After proudly serving his country for four years in the United States Navy, Michael transitioned into civilian life, bringing with him the discipline and commitment instilled by his military service. Earning his degree in business management from Benedictine University further equipped him with the skills needed to excel in the mortgage industry.

With almost 15 years of experience under his belt, Michael has honed his expertise and built a reputation for being detail-oriented and efficient. Michael prides himself on the personalized attention that he gives each and every client. More importantly, he truly listens to his clients and offers a level of respect that is essential in cultivating the lasting relationships that his success is built on.

Purchase
A Home

Ready to purchase a new house? Whether you’re a first-time homebuyer, experienced homeowner, or real estate investor, we’ve got you covered.

START YOUR PURCHASE

Refinance
Your Home

Interested in changing your rate and term or using your equity to pull cash out? We have a variety of refinancing options to fit your needs.

APPLY TO REFINANCE

Down Payment
Assistance

Looking for down payment assistance? Find out what available programs you may qualify for using our free, easy-to-use search tool.

FIND ASSISTANCE

How It Works

We don’t believe in surprises. Rest easy knowing what to expect from the very beginning.

Step 1: Game Plan

Meet with your advisor, set goals, assess credit, define your budget, and review expectations for the rest of your home process

Step 2: Apply Online

RWM Home Loans’ Fluid App makes getting started easy. Quickly provide your information and upload documents seamlessly.

Step 3: Prep Work

We will review your information, request third party verifications, and prepare to submit everything for a Certified Pre-Approval.

Step 4: Offer Accepted

Congratulations, your offer has been accepted! You can rest easy while our team prepares to submit for final approval

Step 5: Bring In The Closer

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Step 6: That’s A Wrap

Welcome home! You are ready to get your keys and unpack. Thank you for trusting RWM Home Loans with your loan.

Get Started

Apply, Upload, and Close – All with the Fluid App

Stay secure, stay connected, and let RWM guide you home with the convenience of the Fluid App. Designed for today’s lifestyle, it lets you manage your entire home loan process from your phone—anytime, anywhere.

SECURE DOCUMENT SCANNER
FAST & EASY PROCESS
REAL TIME LOAN UPDATES

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Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Karyn Johns

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I am authorized to do business in the states of Arizona, Georgia, Illinois, Indiana, Kentucky, North Carolina, Tennessee, Texas, and Wisconsin. AZ Mortgage Banker Lic# 901704; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 

Licensed by Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601

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