John Kramer began his career more than 25 years ago, gaining unparalleled experience in the mortgage lending industry, while also establishing himself as a respected mortgage professional. Currently working as a senior mortgage advisor for Finance of America, John Kramer is widely known for his expertise in helping families to combat strict self-employed income guidelines, as well as becoming an expert in investor-based programs including fix and flip, cash flow-based investment properties, and mortgage options which help customers develop and maintain retirement wealth.
John’s greatest passion is bringing options to people who have been turned away from other lending institutions. He helps his clients to find alternative solutions to the strict traditional financing space.
Mortgage is not a “one size fits all” industry, and John brings his considerable skill and experience to create solutions in a way that few of his peers can. His success is partly due to his willingness to think outside the box. John is a mentor within his branch and will often share his experience and knowledge with fellow team members.
Using a mortgage calculator can help you calculate monthly payments on a home loan.
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
Schedule a talk with a mortgage advisor or leave a message. We’ll get back within one business day.