Clicky

John Kramer

Senior Loan Officer Starlight Mortgage NMLS 218215, AZ Lic. 0911468
John loves helping people buy homes! Not only are homes such an important place for families to grow, they are an integral part of a families short and long term financial picture.

Being a loan officer for 22 years, John has helped many home buyers achieve the dream of home ownership.

"My team and I carefully listen to the needs of each client, help them decide the best course of action, and walk them through each and every step of the loan process. Our goal is to provide the most professional service in the industry".

Whether a first time home buyer or your 10th home purchase or refinance, John and his team are here to get you home!
Feb 29, 2024
John was very efficient. He helped me get a investment loan. He stayed on top of things and it moved quickly.
Feb 27, 2024
I have done several mortgages with John. He is very knowledgeable and professional. He is great with getting challenging loans done. Always quick to respond. He goes above and beyond to find the best way to get your loan done! Highly recommend
Feb 24, 2024
John is a very professional loan officer. He follows up on all my inquires in a timely matter. he also has a lot of different loans that he can help with including ones that not all loan officers will do. I appreciate his knowledge and would recommend him anytime.
Dec 11, 2023
Real Estate Broker
I reached out to John, to help with a difficult task of refinancing several properties in record time, overcoming many obstacles along the way, just as he said he would.
He and his team did an unbelievable job and I would highly recommend him for any future help and also to work with my clients who I would refer to him.
He went above and beyond my expectations!
Thank you so much John
Oct 23, 2023
John was incredibly helpful to us as first-time homebuyers. He is incredibly knowledgeable and always willing to answer questions.
Oct 17, 2023
I had an incredible experience working with John to purchase my first home. His deep knowledge, dedication, and unwavering support made the process seamless and enjoyable. John was always available to answer questions, secure the best loan terms, and provide valuable advice. His proactive problem-solving and commitment to my success set him apart. I'm now a proud homeowner, all thanks to John's expertise and support. I highly recommend him to anyone in need of an outstanding loan officer. Thank you for making my dream of homeownership a reality!
Oct 16, 2023
As first-time home buyers, John walked us through the process, explaining every step, and gave us the confidence to work out our budget in order to find the right home for us and our income. It felt effortless - John told us what information he needed from us, and he handled the rest, like magic. We are out of state, and he set up every signature and transfer to be handled remotely. He was very respectful of our time, while being 100% available for all of our questions. In addition, he is warm and friendly, and genuinely cared for us to have the right outcome. It was an outstanding experience, and I cannot over recommend John's services!
Sep 30, 2023
Real Estate Professional
Once again, John Kramer has Proven why he's my 1st Choice as My Lending Partner!!
I have a lot of experience as mortgage broker in my previous career and know when I am hearing truth and when I am hearing ... BS.
John gets loans done for people wanting to buy homes in this market with integrity and absolutely NO BS.
I will say to any buyer and any fellow Realtor... use John to get your deals done!
Jul 20, 2023
Residential & Commercial Realtor
I just completed a transaction in which I was representing the seller of a residential home and John Kramer was the lender for the buyer. I can't say enough about John! He was so professional, knowledgeable, personable and responsive! John Kramer will 100% be on my team in the future! Outstanding work John!
Jul 20, 2023
Realtor
John did a great job and kept us fully informed throughout the process!
Jul 19, 2023
John did an amazing job! Helped us in so many ways to purchased our home! Was so professional and great with explaining everything about the whole process! John does anything to help you with the purchased of your dream home!! Couldn’t done it with out him! :) We would definitely recommend John to a friend or family member!! Thank you again John!!! :)
Jul 14, 2023
Store manager
John and his team were super helpful and made the whole process easy. Definitely recommend especially if you’re a first time buyer
Jun 12, 2023
We have heard from friends who have had a difficult/stressful time with their loan process, however this was not our experience. John made the process for my wife and I smooth and easy. He was knowledgeable and readily available during the whole process. Talking with him was like talking with a friend, so very natural and we never felt talked down to. I found out too that he teaches upcoming lenders on the side.. so he knows a thing or two! Sincerely, thank you for everything John.
Jun 9, 2023
John was very helpful in explaining how the process worked and was there every step of the way to assist us with anything that came up. He always made sure to follow up with us and ask if we had any questions. I’d love to work with John again in the future and I’d recommend him to anyone looking to buy a house!
Jun 7, 2023
John, was an amazingly knowledgeable and supportive in assisting us with such stressful process.
Jun 7, 2023
John was incredibly helpful throughout the whole process of buying a home. He responded in a timely manner and was able to explain things in a way both my husband and I could understand. He was able to work fast and close our home closer than usual. He made the process a lot less stressful than it could have been. I would recommend John to both family and friends.
Jun 6, 2023
My husband and I reached out to John Kramer to help us understand our refinancing options and found John to be very informative, polite and responsive. We went ahead with the refi and we were so glad it went smoothly without any delays!
Apr 10, 2023
Realtor
I was the listing agent on a transaction in which the buyers were working with John as their lender. John handled the transaction very professionally. Everything went according to plan.
I definitely would look forward to working with John again!
Apr 5, 2023
Senior Software Analyst
John and the team were amazing to work with. We shopped around and John got us the best rates by far. He explained everything clearly which gave us the peace of mind that we were getting a great deal. We had to close quick as soon as we found the right house and the Starlight Mortgage team made it happen. They were super responsive, informative, and helpful through every step of the process. We highly recommend John and the Starlight Mortgage team.
Mar 31, 2023
John is very knowledgeable and professional. He took the time to explain everything to me in detail and was always prompt to answer any questions or concerns I had throughout the entire process. I will definitely be contacting him for any future mortgage needs and will be recommending him to friends and family.
Mar 31, 2023
John is amazing at his job! My wife and I were not sure if we wanted to buy in the current market but after speaking with John, he helped us make up our minds. The entire process from applying to close was just over a month, unbelievable quickness to facilitate our closing! John kept us informed every step of the way and made the application process painless. I will no doubt refer my friends and family to John for their mortgage needs and he's already programmed in my phone when it's time to buy again or if we ever refinance our current mortgage. John is an asset to the industry and Starlight Mortgage!
Mar 10, 2023
Registered Nurse
John is by far the best for your home lending needs. When I say he is patient, quick and efficient I mean just that. I was new to the home buying experience and he walked me through step by step clarifying things whenever I requested them. He was always available and he works in the best interest for you. He makes you feel comfortable and ensures you understand the process. I’d recommend John to anyone I love and will use him again in the future.
Mar 9, 2023
Thank you so much to John for helping me and my family get into our new home. We love our home and would not have been able to buy it if John had not guided us through each step of the home loan process. There were a number of things that we needed help with in order to qualify for our home loan. John made it easy to understand and helped and supported us through the entire loan process. I highly recommend John Kramer for anyone looking to buy a home!
Feb 27, 2023
Realtor®?
A true professional, and impeccable customer service! John was great to work with, helping our client with all the questions and understanding each step of the financial process! I will definitely be working with John in the future.
Feb 25, 2023
Lindy Lunkenheimer
I have to rave about the experience I had with John! I am a single foster mom and needed a home to better fit my family’s needs. I was not able to purchase right away due to a number of barriers, and John walked me through each hurdle working diligently to help me to buy a home. I will only work with John moving forward; highly recommend!