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!
About Me
Senior Loan Officer
Starlight Mortgage
NMLS 218215, AZ Lic. 0911468
CQ
I wholeheartedly recommend John Kramer for any of your financing needs. John went above and beyond to ensure I understood all my options and secured the best possible terms for my loan. His expertise, responsiveness, and personalized attention impressed me, and I greatly appreciate the time he took to address my questions and concerns. Thank you John!
DS
John Kramer and his team at Starlight Mortgage were wonderful to work with. As the Buyer's Realtor I can confidently say he communicated all throughout the transaction, was always fast to respond and there were no underwriting surprises at the end, allowing us to close on time. I would recommend John to anyone looking for a great lender in Arizona.
AB
I Highly recommend John Kramer (Starlight Mortgage, Inc)
He proved to be very knowledgeable, professional and reliable during the purchase transaction. He is very responsive and answered all of are questions to the point. The transaction followed through successfully thanks to John's outstanding experience, and both my client and myself are very thrilled with the results.
Thank You John!
Amazing Job!
Andrea Basoco (Realtor)
MCO Realty
He proved to be very knowledgeable, professional and reliable during the purchase transaction. He is very responsive and answered all of are questions to the point. The transaction followed through successfully thanks to John's outstanding experience, and both my client and myself are very thrilled with the results.
Thank You John!
Amazing Job!
Andrea Basoco (Realtor)
MCO Realty
MH
John was recommended by realtor. His service was excellent! Got us through a long distance move easily. He kept us informed every step of the way by phone, text, and email. Uploaded everything to his website easily. Electronic signatures for everything until the closing documents which were handled by a notary that came to our current location. He was able to get us a lower interest rate at the last minute. Super service!
AS
John helped me with a Reverse Mortgage. He explained everything to me and made sure I understood the process. He kept me informed through every step. John went above and beyond. I appreciate everything he did to make this a pleasant experience. I highly recommend him to anyone who would need this kind of service.
KB
I recently refinanced my home with John and all I can say is he made it look as a “walk in the park”.
I am an investor and have done many purchase and refi loans and i have a lot of data to folate, so any tube my praises where they are fully deserved.
John closed in 3 weeks as promised, found me a fantastic rate which saved me almost $300/month from the lander I was about to close with before I moved to John and his process was amazing. Everything went smooth and efficiently.
John and his team are incredible and would definitely be working with Jenn again in ten future. Highly recommend!
I am an investor and have done many purchase and refi loans and i have a lot of data to folate, so any tube my praises where they are fully deserved.
John closed in 3 weeks as promised, found me a fantastic rate which saved me almost $300/month from the lander I was about to close with before I moved to John and his process was amazing. Everything went smooth and efficiently.
John and his team are incredible and would definitely be working with Jenn again in ten future. Highly recommend!
KK
John Kramer was amazing when handling our mortgage for our new home. He was knowledgeable and professional and helped us walk through the steps so that we felt at ease in understanding the process. Highly recommend!
NM
John, thank you for helping me with my refinance. With the better rate you were able to get for me, I am now saving $440 per month! And you were able to get my new loan done in just two and a half weeks. Excellent!
DP
We've worked with John for a number of years and always appreciate his diligence, patience, and encouragement through the process. Looking forward to working with him again in the future.
TJ
John just did a workshop on reverse mortgage for my Realtors at my Biltmore office and it was the BEST and most informative learning experience for all of us. John, is interactive, very knowledgeable, professional and above par in every aspect! We enjoyed and learned so much from Hohn that we are already setting up more workshops and CE classes. John’s knowledge has gained him new clients and loyalty from those that knows his abilities. Top notch!! I would refer John to anyone looking for a new loan, questions or learning needs.
Thank you John, I appreciate all you do!
Thank you John, I appreciate all you do!
OP
John has helped us several times over many years now. He's responsive, dilligent, and patient. Highly recommend.
CS
John was incredible to work with and was eager to answer all our questions during the loan process. Our loan was ready to go earlier than expected and his professionalism was outstanding. I would highly recommend him to anyone looking to purchase or refinance their home.
HG
John was very efficient. He helped me get a investment loan. He stayed on top of things and it moved quickly.
SR
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
JB
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.
SJ
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
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
PF
John was incredibly helpful to us as first-time homebuyers. He is incredibly knowledgeable and always willing to answer questions.
KK
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!
AF
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!
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!
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!
CA
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!
CR
John did a great job and kept us fully informed throughout the process!
LR
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!!! :)
CR
John and his team were super helpful and made the whole process easy. Definitely recommend especially if you’re a first time buyer
MK
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.
