Over 180 ⭐️⭐️⭐️⭐️⭐️ Reviews from buyers and agents
I love helping people buy homes! Not only are homes such an important place for families to grow, but they are also an integral part of a family's short and long-term financial picture.
As a loan officer for 25 years, I've helped many home buyers achieve the dream of home ownership.
My team and I carefully listen to each client's needs, help them decide the best course of action, and walk them through every step of the loan process. Our goal is to provide the most professional service in the industry.
Whether you're a first-time home buyer or your 10th home purchase or refinance, my team and I are here to get you home!
About Me
Senior Loan Officer
Starlight Mortgage
NMLS 218215, AZ Lic. 0911468
TM
I highly recommend John Kramer as an outstanding mortgage broker. I worked with John to secure financing for my home purchase this year, and the entire experience exceeded every expectation. From our very first conversation, John demonstrated deep expertise in the mortgage market. He took the time to understand my financial situation, goals, and timeline, then shopped multiple lenders to find the best possible rates and terms. Thanks to his negotiation skills, I locked in a rate significantly better than what I had been quoted elsewhere, saving me thousands over the life of the loan. What truly set John apart was his responsiveness and professionalism. He was available evenings and weekends, answered every question promptly with clear explanations (I asked a lot of questions), and proactively handled all the paperwork and coordination with the lender, title company, and my real estate agent. The process was remarkably smooth — we closed on time with no last-minute surprises. John genuinely cares about his clients and acts as a true advocate throughout the transaction. Whether you're a first-time buyer, refinancing, or purchasing an investment property, I have complete confidence recommending him. He made what can be a stressful process feel straightforward and successful. If you're looking for a trustworthy, knowledgeable, and results-driven mortgage broker, contact John Kramer. You won't be disappointed.
VM
John Kramer assisted me in obtaining a mortgage in an unusual situation. It entailed multiple legal and financial issues and was complicated to say the least, He was professional, knowledgeable, persistent, patient, focused and committed to me obtaining my mortgage. He explained every step of the way and assisted me in obtaining all the documentation to qualify me for the loan.
John was such a pleasure to work with in such a difficult and trying time.
John was such a pleasure to work with in such a difficult and trying time.
JR
I would highly recommend John Kramer to anyone buying a home. He did an excellent job from start to finish and made the entire process much easier than I expected.
We ran into a few problems along the way, but he handled each one calmly and professionally. He always explained what was happening, helped us understand what was needed, and worked through every issue without making us feel overwhelmed.
What stood out most was how responsive, patient, and dependable he was. Buying a home can be stressful, but he made us feel like we had someone on our side the entire time. We are very grateful for all of his help and would gladly recommend him to friends and family.
We ran into a few problems along the way, but he handled each one calmly and professionally. He always explained what was happening, helped us understand what was needed, and worked through every issue without making us feel overwhelmed.
What stood out most was how responsive, patient, and dependable he was. Buying a home can be stressful, but he made us feel like we had someone on our side the entire time. We are very grateful for all of his help and would gladly recommend him to friends and family.
MH
John was great. Answered all questions quickly. Was a pleasure to talk to. I would highly recommend him.
JH
John was so easy to talk too, he was able to explain stuff simply. He did not keep you waiting when you had a question, answered right back. The Real estate agent, John and his team and the title company all were very professional and easy to work with. I'll give John 100%.
KW
John and his team were fantastic to work with. They made me feel taken care of and answered all of my 100 questions!
JG
John, was fast, friendly and efficient. Kept us informed of the progress and open actions. Solid sensible recommendations. Mortgage was locked and loaded well in advance of the Escrow process for minimum stress. Would recommend John to anyone looking for a mortgage
John was super helpful getting us a really competitive rate, closing on time, and helping navigate and quote is on all the various options. He was very responsive and able to accommodate our specific situation which involved complex timelines overlapping with international travel. In the end we got a great rate and credits to help with closing costs! Highly recommend John if you want a more personalized approach from an industry expert.
AM
John was a fantastic person in helping me qualify for a great condo in Fountain Hills. He took the time to explain every step in the incredibly complicated process to me. Plus, he was always willing to take my phone calls and answer my questions immediately. I would highly recommend John if you are in the market to purchase a home. You will not be disappointed.
MG
Worked with John on a mutual client of ours. As a realtor I know that a lender can make or break a transaction and despite having had to previous experience with John, I had a great feeling from the start and he did not disappoint. He did a wonderful job both with his communication as well as getting the loan approved and closed in a timely manner. Thank you for a great and smooth escrow John!
KW
Im happy to have been connected with John Kramer for my home servicing needs. John was extremely knowledgeable and helpful throughout the home buying process. He was always available when I needed him. He quickly processed all documents and made the process smooth with very little stress. I have no hesitation recommending John to others.
DG
Thank you for all your assistance with obtaining a loan on my new home. I recommend John to anyone who needs assistance with finding a loan. Helpful, and knowledgeable during the entire process.
DG
Huge shoutout to John at Starlight Mortgage! He just helped me close on an investment property despite a few major roadblocks. Where other lenders might have walked away, John doubled down and made it happen. Professional, proactive, and a true problem-solver. I’ll definitely be using him for my next deal!
MM
John is great to work with. Very knowledgeable and helpful when it came to getting lending for our new home!
LB
John provided outstanding client service from start to finish in our latest real estate transaction together. He did an amazing job customizing a loan package for the buyers that was perfectly tailored to their needs and circumstances, and was excellent at communicating with us throughout the entire process. Smart, savvy, and reliable!
John was referred to us by someone who has known/worked with him for a long time! From the first call, John took the time to answer all our questions and explain everything thoroughly. He quickly gained our trust because he is very knowledgeable and responsive. We leaned on him at every step of the process, and he made things as easy as possible. We highly recommend him and will work with him again if necessary!
RT
John Kramer was very helpful in our home refinancing process. His responsiveness was fantastic. He always returned my calls or text within a few minutes and kept me informed of every step. He answered all of our questions and ver helpful . I will recommend John to my friends and family and totally go back to him in the future. Thank you for making this process so easy.
BL
John Kramer was really great to work with, communicated often and ensured all of our questions were answered. John was able to process, underwrite and secure our loan very quickly - funding within a few weeks. Highly recommend John Kramer and Starlight Mortgage for a new or refinanced mortgage loan!
AA
Great experience! John made the mortgage process smooth and fast for my father's new home. Clear communication and outstanding support.
TS
John Kramer went above and beyond to make sure I got the rate that I wanted as well as the monthly payment that I felt comfortable with. He communicated daily to ensure I was satisfied with his service. He gave me his best rate right away. His honesty and dedication to his work were much appreciated! Thank you John!
JG
John was very professional and helpful with our loan application. He responded quicky to our questions and kept us informed of the progress. We highly recommend him as a resource for anyone looking for a loan.
DB
I highly recommend John Kramer! He was incredibly responsive and guided me through every step of the mortgage process with clear, timely communication. He made a complex process feel simple and stress-free. He was so patient and helpful, explaining all my options and always making sure I felt comfortable. Highly recommend, especially for beginners!
DM
John was able to secure a funding source for my unique situation after another high profile provider floundered. Thanks much!
JA
John did a great job setting up our loan for a new house. From beginning to end everything was handled professionally and communication was effective and responsive. We could not have asked for a better person to help us with this process; therefore, we highly recommend John and his team.
VD
I had the privilege of working with John Kramer for nearly two years, and I can confidently say that his dedication, professionalism, and expertise are unmatched. From the very first conversation to the day I received the keys to my home, he was there to guide me through every step of the process.
Finding the right home can be overwhelming, but John Kramer made the journey smooth and manageable. He took the time to explain each detail, answered every question I had—no matter how big or small—and provided honest, practical guidance that helped me make the best decisions.
His patience and commitment never wavered, even as the search stretched over months and market conditions changed. He stayed proactive, kept me informed, and worked tirelessly to ensure everything went as planned. It’s rare to find someone in the industry who combines technical skill with genuine care, but John Kramer does exactly that.
I am deeply grateful for all his support and would highly recommend him to anyone looking for a lender who will truly be on their side from beginning to end. Thanks to his hard work, I’m now in my first home—and I couldn’t have done it without him.
— Velma Dearing
Finding the right home can be overwhelming, but John Kramer made the journey smooth and manageable. He took the time to explain each detail, answered every question I had—no matter how big or small—and provided honest, practical guidance that helped me make the best decisions.
His patience and commitment never wavered, even as the search stretched over months and market conditions changed. He stayed proactive, kept me informed, and worked tirelessly to ensure everything went as planned. It’s rare to find someone in the industry who combines technical skill with genuine care, but John Kramer does exactly that.
I am deeply grateful for all his support and would highly recommend him to anyone looking for a lender who will truly be on their side from beginning to end. Thanks to his hard work, I’m now in my first home—and I couldn’t have done it without him.
— Velma Dearing
