John Kramer
Starlight Mortgage, Inc.
Home Lending.

John Kramer Starlight Mortgage, Inc. Home Lending. John Kramer Starlight Mortgage, Inc. Home Lending. John Kramer Starlight Mortgage, Inc. Home Lending.

John Kramer
Starlight Mortgage, Inc.
Home Lending.

John Kramer Starlight Mortgage, Inc. Home Lending. John Kramer Starlight Mortgage, Inc. Home Lending. John Kramer Starlight Mortgage, Inc. Home Lending.

Your "Get It Done" Kinda Guy.

Your "Get It Done" Kinda Guy. Your "Get It Done" Kinda Guy. Your "Get It Done" Kinda Guy.

Fast. Friendly. Home loans that actually close — no drama, no delays, just keys.

Let’s Get It Done!

Meet John Kramer

Your "Get It Done" Kinda Guy

I’m John — The Get It Done Kinda Guy.
For more than 20 years, I’ve helped people navigate one of the biggest moves of their lives: buying a home. I don’t do “just another loan.” I do your loan — clear, quick, and handled with the kind of communication that actually lets you breathe.


Why People Choose Me


Speed you can feel.
I don’t sit around waiting for “maybe.” I push for yes so you can get to the closing table fast and confidently.


You always know what’s happening.
No jargon. No guessing. No “Did they forget about me?” Real-time updates and straight talk, every step of the way.


A partner agents can count on.
If you’re a real estate agent, you’ll never chase me down. I show up, I communicate, and I wrap up deals so you look like the hero your clients already think you are.


Certified Mortgage Advisor (CMA).
Which means you get expertise, ethics, and smart guidance — the right loan, not just the quickest loan.

About Us

What is a Mortgage Broker?

A mortgage broker is your personal matchmaker in the home-loan world. Instead of being tied to one bank, a broker shops across multiple lenders to find the loan that best fits your financial situation, goals, and ideal interest rate.


Here’s what that means for you:

You get the best deal — not just one bank’s deal.
We have access to some of the lowest rates and fees available, because we work with a wide network of lenders.


We match you with the right loan, fast.
Think of us as your loan concierge. We compare options, handle the legwork, and find the bank that’s the best fit for your needs.


Quick approvals.
In many cases, we can secure initial loan approvals in as little as one day.


We save you time, stress, and money.
A mortgage broker simplifies the entire process — from paperwork to rate shopping — and can potentially save you thousands over the life of your loan.

Certified Mortgage Advisor

A Certified Mortgage Advisor (CMA) is a loan professional trained to help you make smarter, more secure financial decisions when buying a home. Fewer than 1% of loan officers earn this certification.


Here’s what that means for you:

You get guidance rooted in real expertise.
CMA professionals complete rigorous education, training, and ethical standards — so your loan is built on strategy, not guesswork.


Your full financial picture matters.
As a CMA, I offer credit profile assistance and help you understand how your choices today impact your financial future.


You get clarity, not confusion.
I’m trained to explain complex loan options in plain language so you feel confident, prepared, and protected.


You walk into the future on solid ground.
The CMA certification is the gold standard in the mortgage industry — designed to help consumers make wiser decisions and build a more secure tomorrow.

Services

Arizona Home

Loan Products

Homebuyer & Realtor Courses

Reverse Mortgage

  • Conforming & Non-conforming Loans
  • FHA Loans
  • VA Loans
  • Investor Loans
  • USDA Loans
  • Jumbo Loans
  • Multi-Family Loans
  • Fix & Flip Loans
  • Bank Statement Loans
  • Self Employed Loans
  • Refinancing Loans

Reverse Mortgage

Reverse Mortgage

Homebuyer & Realtor Courses

Reverse Mortgage

  • Use for a home purchase to upgrade to a nicer home or downsize.
  • Pay off existing mortgage while staying in your current home.
  • Use as a line of credit to pay expenses or age in place.
  • No mortgage payment.
  • For ages 62+

Homebuying courses

Homebuyer & Realtor Courses

Homebuyer & Realtor Courses

Homebuyer & Realtor Courses

  • Pathway to Your New Home Workshop
  • Marriage & Mortgage Workshop
  • Agent Bootcamp Workshop
  • Reverse Mortgage Workshop
  • Numbers You Need to Know Workshop
  • Interest Rate Workshop
  • FHA & VA Loans CE Course
  • Introduction to Divorce RE CE Course
  • General Finance CE Course
  • The Appraisal Process CE Course

Learn More

mortgage educaiton

Homebuyer Videos

Reverse Mortgage Videos

Homebuyer Videos

Youtube videos for additional pointers with the most up to date information for Homebuyers.

View Homebuyer Videos
Realtor Education

Realtor Videos

Reverse Mortgage Videos

Homebuyer Videos

Youtube videos for the most up-to-date information in the mortgage industry for Real Estate Agents and Brokers.

View Realtor Videos
Reverse mortgage

Reverse Mortgage Videos

Reverse Mortgage Videos

Reverse Mortgage Videos

Everything you need to know about a Reverse Mortgage for Homebuyers and Agents.

View Reverse Mortgage Videos

What People Are Saying About John

Testimonials

 I truly believe there is no one else in Arizona who offers as much as I do.  I provide the most professional service available to you at the lowest rates and fees.

How am I different than most lenders?

 Having a Mortgage Broker can save your clients thousands of dollars on your home purchase or refinance.

Home Valuation Report

Do you know the equity that you have in your home? What if you could you could lower your monthly house payment by removing your mortgage insurance? This complimentary site enables you to know exactly where you stand with your home. Get your personalized home value and wealth building tool.

Find out what your home is worth

My Blog

Social

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Contact John

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John Kramer - Your Personal Mortgage Broker

(480) 220-2222

Copyright © 2023 John Kramer - All Rights Reserved. Starlight Mortgage, Inc. | LO Licensing: AZ LO-0911468 NMLS-218215 | Company Licensing: AZ BK-0904164 NMLS-6274 | CO 1198744 | Equal Housing Lender

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