John Kramer Starlight Mortgage, Inc. Home Lending

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

John Kramer Starlight Mortgage, Inc. Home Lending

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

John loves helping people buy homes

John loves helping people buy homesJohn loves helping people buy homesJohn loves helping people buy homes

Homes are such an important place for families to grow and an integral part of short and long-term financial goals.

Contact John

John loves helping people buy homes

John loves helping people buy homesJohn loves helping people buy homesJohn loves helping people buy homes

Homes are such an important place for families to grow and an integral part of short and long-term financial goals.

Contact John

About John Kramer

John Kramer

Why John Kramer?

What is a Mortgage Broker?

What is a Mortgage Broker?

John is your mortgage broker for your home buying needs in Arizona and California.


John provides the highest level of communication with outstanding client recommendations.


Over 20 years dedicated helping people buy homes.


He can carefully guide you to the best course of action.


Strategizes to meet your financial goals and requirements.


Reduce the stress in the qualification process.




Mortgage

What is a Mortgage Broker?

What is a Mortgage Broker?

What is a Mortgage Broker?

John seeks out the best fit in terms of the borrower's financial situation and interest-rate needs.


He has access to the lowest rates and fees available.

 

He will match homebuyers with the best banks.


Initial loan approvals in as little as one day.


A mortgage broker can save a borrower time and effort during the application process, and potentially a lot of money over the life of the loan.

Certified Mortgage Advisor

Certified Mortgage Advisor

What is a Mortgage Broker?

Certified Mortgage Advisor

John is a Certified Mortgage Advisor.  


Less than 1% of loan officers are CMA's.


Offering Credit Profile Assistance.


The CMA CERTIFIED MORTGAGE ADVISOR™ certification is the standard of excellence in the mortgage industry.


CMA professionals meet rigorous education, training and ethical standards, and are committed to educating clients in order to prepare consumers for a more secure tomorrow.

Services

Arizona Home

Loan Products

Homebuyer & Realtor Courses

Reverse Mortgage

  • Conforming & Non-conforming Loans
  • FHA Loans
  • VA 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 with John's Videos

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

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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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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