Business Details
4 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Palm Harbor, FL
Founded in 2022, Klear2Klose With Kris is led by Kris Radermacher, a mortgage industry veteran with over 15 years of experience. Our team combines deep expertise in conventional, FHA, VA, and non-traditional lending with a relentless focus on customer service, driven by Kris's personal commitment to transparency and client advocacy. We specialize in tailored mortgage solutions for first-time buyers, self-employed individuals, and investors, offering access to diverse loan products including renovation loans, commercial financing, and reverse mortgages.Our Palm Harbor-based team leverages relationships with multiple investors to secure competitive rates, while maintaining 24/7 availability to guide clients through complex transactions. Backed by NMLS certification and Florida licensing, we prioritize community engagement and technological innovation to streamline the home financing process.
Services
VA Loans
FHA Loans
Conventional Loans
Renovation Loans
Commercial Financing
Reverse Mortgages
Investment Properties
Credit Recovery Loans
Self-Employed Mortgages
Refinancing Options
Details
- Year established: 2022
Highlights and features
- We offer 15+ years of mortgage industry expertise with personalized service
- Our team provides 24/7 availability for urgent client needs
- We access diverse loan products including niche renovation programs
- Our NMLS-certified professionals maintain Florida licensing compliance
- We combine technological tools with traditional lending expertise
What people say
Amazing communication
Fast closing process
Expert loan guidance
24/7 availability
Competitive rates
Services
VA Loans
Specialized mortgage programs for veterans and active military personnel. We offer competitive rates with zero down payment options while maintaining strict compliance with VA guidelines. Our team handles complex cases including renovation VA loans.
FHA Loans
Low down payment mortgage solutions for first-time buyers with credit scores as low as 500. We specialize in FHA 203k renovation loans and streamline refinancing programs for existing homeowners.
Renovation Loans
Financing options that combine home purchase with renovation costs. We offer full and limited FHA 203k programs, conventional renovation loans, and specialized investor renovation products.
Commercial Financing
Tailored lending solutions for commercial property acquisitions. Our services include income property financing, owner-occupied commercial loans, and mixed-use property mortgages with flexible underwriting.
Refinancing Options
Rate-and-term refinancing programs to reduce monthly payments or shorten loan terms. We offer cash-out refinancing for home equity access and streamline options for existing VA/FHA borrowers.
People
Kris Radermacher
Broker/Owner
With 15+ years in mortgage banking, Kris transitioned from operational roles to originate loans in 2016. She founded Klear2Klose With Kris in 2022 after identifying gaps in customer service during her own home buying experience.
Questions
What loan types do you offer?
We offer VA, FHA, Conventional, USDA, Jumbo, Renovation, Commercial, Reverse, and specialized non-traditional loans including bank statement programs.
How quickly can you close a mortgage?
Our average closing time is 30-45 days, with expedited options available. We've closed loans in as little as 15 days for qualified borrowers.
Can I get a mortgage with bad credit?
Yes, we work with borrowers having credit scores as low as 500 through FHA programs and offer credit rebuilding strategies for future homeowners.
Do you offer refinancing options?
We provide rate-and-term refinancing, cash-out refinancing, and streamline programs for existing VA/FHA borrowers to reduce monthly payments.
Are you available after hours?
Our team maintains 24/7 availability for urgent client needs, with Kris personally responding to calls and texts outside regular business hours.
