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
BT
John was amazing to work with. Originally we had been told by other lenders that buying a home would be unattainable unless we rented for a year because we are independent contractors. We were recommended to John and not only did he prove them wrong but he exceeded all expectations. He was able to get us a phenomenal interest rate, we closed on time, and he was very communicative. John made himself accessible at any time for anything we may have needed and answered questions very diligently. I was kept so well informed and in the loop that not even for a minute did I feel lost during the home buying process. He took the time to read through everything with me and was truly a dream to work with. I would recommend him to every and anyone who is looking to buy a home. John can and will make your dreams come true as he did ours. Thank you John for everything you did for our family. I look forward to working with you again.
PM
John Kramer was such a great help when it came to finding a loan. This man has the absolute most patience. Didn't matter the time of day or question I had he was always willing to answer and help. He's very knowledgeable and easy to talk to. Will be recommending him to all my friends looking to buy in the near future. Thank you John for your time and help.
Working with John with first time home buyers went very smoothly. He and I communicated well along with John speaking with my clients often and explaining the process of home ownership to them. I will be working with him again on my next deal!
SS
John was so helpful! He’s knowledgeable, communicative and really just easy to work with! All the things you need in a loan officer! I wouldn’t want to work with anyone else!
JG
From the beginning to the end, John was great. He is friendly, professional, helpful, knowledgeable. He always made himself available to answer all my questions throughout the whole process. I appreciate him for guiding me through every step of purchasing a new home.
I highly recommend Mr. Kramer @ Starlight Mortgage.
Thank you John
I highly recommend Mr. Kramer @ Starlight Mortgage.
Thank you John
SJ
Hello Everyone!
I just want to say that I would highly recommend John for any loans tor your clients. He has many loan products that can help your clients
get into a home or investment. I have worked with him in the past, and we just closed another transaction.! Great job, John!
Thank you,
Susan Jacobs
West USA Realty
I just want to say that I would highly recommend John for any loans tor your clients. He has many loan products that can help your clients
get into a home or investment. I have worked with him in the past, and we just closed another transaction.! Great job, John!
Thank you,
Susan Jacobs
West USA Realty
MH
This is our second time working with John. He is very easy to work with and responds to needs in a very timely manner. He had us lock in rates at the best time to get the lowest rate possible in this ever changing market. We really appreciate everything he did for us and would highly recommend John to anyone needing a mortgage or refinancing.
MB
John helped us in the process to buy our home and he was super knowledgeable.
He kept the great communication throughout the whole process, was very responsive and super easy to work with. Highly recommended. Thank you John!
He kept the great communication throughout the whole process, was very responsive and super easy to work with. Highly recommended. Thank you John!
YT
If you are looking for a professional mortgage broker, who will provide you with the best possible mortgage advice I highly recommend John Kramer from Starlight Mortgage.
John puts customer interest first. Period. He is responsive, proactive and very knowledgeable about the process, the industry and will guide you through the experience with an absolute professionalism and expertise. If everyone is as responsive and diligent as John is, the world be a much better place!
John puts customer interest first. Period. He is responsive, proactive and very knowledgeable about the process, the industry and will guide you through the experience with an absolute professionalism and expertise. If everyone is as responsive and diligent as John is, the world be a much better place!
YT
If you are looking for a professional mortgage broker, who will provide you with the best possible mortgage advice I highly recommend John Kramer from Starlight Mortgage.
John puts customer interest first. Period. He is responsive, proactive and very knowledgeable about the process, the industry and will guide you through the experience with an absolute professionalism and expertise. If everyone is as responsive and diligent as John is, the world be a much better place!
John puts customer interest first. Period. He is responsive, proactive and very knowledgeable about the process, the industry and will guide you through the experience with an absolute professionalism and expertise. If everyone is as responsive and diligent as John is, the world be a much better place!
RL
I would recommend John Kramer to anyone, John Kramer was extremely helpful with securing my mortgage every step of the way. He went out of his way to meet with me on several occasions, to pick up documents, which the lender required.
John is a very honest and professional businessman. And a kindhearted individual! I would trust him with my life!
John is a very honest and professional businessman. And a kindhearted individual! I would trust him with my life!
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
