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Profile picture for Joe Kramer

Joe Kramer


Senior Loan Officer (23 years experience)

Purchase Loan,
Home Equity,
Mortgage Planning

Add personality to your profile! Tell the community about yourself, your home, and your profession.

My name is Joe Kramer and I have been a Mortgage Banker in Orange County since 1991. I have closed over 2,500 loans in my career. This experience has allowed me to provide a trouble free process for my clients in the ever changing mortgage environment.

I strongly feel the Mortgage Industry is not about Loans & Real Estate. It is about building and maintaining relationships. My goal is to be your Lender for life. I value all my Relationships. My top priority during the loan process is to exceed your expectations so, you will want to refer me to your friends and family.

My specialty is what I like to call, Mortgage Planning. This is simply determining your future Goals & Dreams and giving you a plan to accomplish those Dreams.
Your Dream may be to own a home on the beach, acquire investment property, or purchase your first property.  I am here to help you with all of your dreams!

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Ratings & Reviews


02/17/2014 - les28
Closed refinance loan. University Park, Irvine, CA

I would not consider anyone else. I am an expert in my field and Joe is an expert in his. He would not do what I do and I trust him to do what I cannot do myself. Trust is key and Joe does what he says he will -- no ifs ands or buts! Thanks Joe

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Response from Joe



02/05/2014 - Kondace Thayer Garber
Closed purchase loan.

I have worked with Joe for may yrs. I'm a Realtor and very hands on. I have also used Joe for my personal property. He is PATIENT he needs that with me. Joe, has been in the biz now for 22 yrs. and counting. He knows the industry inside and out. You have a question, need help to clean up your credit he has the knowledge and resources to help you.  More Less 

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Response from Joe on 02/06/2014

Thank You Kondice! It is always a pleasure working with you!



02/04/2014 - MirandaDempseyMcCroskey
Was pre-approved. Browning, Tustin, CA 92782

Use Joe Kramer! He becomes invested in your problem and really works to solve it. He has given me time and attention willingly coming up with innovative solutions for my mortgage problems. I have yet to use him to purchase a home, but have met with him to discuss pre-home buying strategies, and even brought my parents to him. Even though he wasn't getting paid through my deals he continued to invite me in to see him willingly. When I do buy I will use Joe!  More Less 

Profile picture for Joe Kramer
Response from Joe on 02/05/2014

Miranda, thank you! I appreciate your review. It has been a pleasure working with you and your family! I look forward to helping you all in the future. Sincerely,