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We specialize in a number of residential mortgage options, including VA, FHA, first-time homebuyer, conventional, Jumbo and USDA loans.
We specialize in $0 down VA Home Loans in Texas, including loans for disabled veterans, with up-front property tax exemptions in 100% disabled VA loan qualification, and NO property taxes included in the payment.
Use our mortgage knowledge center to learn more about home purchase basics and the various home mortgage and residential loan options available to Dallas-Fort Worth customers.
We have the advanced residential mortgage experience to ensure the process is smooth and stress free for first-time homebuyers in the Dallas-Fort Worth area, including financial assistance and bond loan programs.
The Jeff Kramer Team is committed to helping you find the right home loan product for your specific residential mortgage needs. Jeff will provide mortgage options that you may not know are available while also shopping lenders and rates so you don’t have to. Our priority is to get you the best mortgage available and make sure you close on your home as quickly and efficiently as possible.
We are a mortgage banker with access to a wide variety of mortgage products and “outside the box” investors to close the most challenging loan transactions while also having “in house” processing, underwriting and closing for fast and easy close time frames.
Sr. Loan Officer
3211 Internet Blvd Ste 150, Frisco, TX 75034
Guaranteed Rate Affinity Sponsor ID NMLS #3029
Branch NMLS #2394212, Loan Officer NMLS #290136
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TSAHC provides fixed-rate mortgage financing, down payment assistance grants and second liens, as well as mortgage credit certificates for teachers, police officers, corrections officers, fire fighters, EMS personnel, veterans and low and moderate-income households. Our home buyer programs are open to first-time home buyers, as well as repeat home buyers and existing homeowners.
Renovation, purchase, and construction loans finance home buying, building, or remodeling, combining costs into one mortgage for easier management.
We specialize in VA Home Loans in Texas, including loans for disabled veterans, with up-front property tax exemptions in 100% disabled VA loan qualification, and NO property taxes included in the payment.
Bank Statement, 1099 Only, Asset Qualifier, P&L (Profit & Loss) Only, Investor Cash Flow (DSCR), Foreign National, ITIN (No Social Security Number)
Jeff Kramer and Guaranteed Rate Affinity are committed to helping you find the right home loan product for your particular needs.
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Our goal is to earn your business for life. In order to achieve this goal, we promise to go above and beyond for each of our clients.
Hi Natalie, Thank you so much for your vote of confidence and kinds words. I will always take the best care of you and your clients.
Awesome, smooth painless experience!! Jeff and his associates were amazing!
Thank you so very much for all of your help in securing our loan for our new home. Highly professional, knowledgeable and responsive!!
My mortgage loan officer and agent were nothing short of amazing!!
Jeff was amazing from day 1. He always made us feel comfortable. He was organized and on top of everything! We will recommend Jeff to everyone we know moving to the area! Thanks for everything Jeff!
From start to finish easy transition and very informative on how to get me in my new home!!
My husband and I had a wonderful experience with Jeff, Justin, and his team. We will be referring them in the future and hope to work together on our refinance!
Jeff took the time to answer all of our questions and he ensured that we closed without issue. We would recommend Jeff without hesitation.
I enjoyed working with you. Thanks for the great feedback.
Fantastic communication. All my questions were answered promptly.
Great execution on planning and guidance through the whole loan process.
Thanks for much for the vote of confidence Erik! It was a pleasure working with you and Ashley to get you into your beautiful new home!
Thank you Lenna! Happy to be able to get your clients the home that they deserve!
Experience.com is constantly evolving and improving. The real-time feedback is very helpful with our customers.
Excellent way to gauge your client’s experience! Very easy to use and the integration with social media platforms is excellent.
Amazing review suite – Using Experience.com for over 4 years now and have received over 700 reviews through the platform.
Partner for life! It is key to our marketing and branding efforts. Customers love the interface and it has been very easy implement and use.
Trusted, fast, and accurate service – it merges many other platform data into one space.
Great System – it automatically collects the reviews for me and I don’t need to do it myself.
Thank you so much Kellie! I was happy to help you and you were a pleasure to work with. It’s easy to be clear to close early when you provide documents as quickly as you did.
The Jeff Kramer Team, at Guaranteed Rate Affinity, Ltd, serving the Dallas-Fort Worth area with a variety of residential mortgage loan options.
Step-by-step process to getting the keys to your new home.
Free mortgage calculators to help you make informed decisions.
For a smooth refinancing experience, know the facts.
Self-employed homebuyers should not worry about residential home loan approval. These mortgage applications are not difficult if you have an experienced lender who specializes in self-employed home loans.
In some cases the benefits of being self-employed, such as tax write-offs and exemptions that offset income tax liabilities may reflect poorly on annual income when time to get qualified for a home mortgage.
We specialize in self-employed mortgages in Dallas and can often secure home mortgage approval whereas a large lender would be unable to approve a self-employed buyer.
When we evaluate self-employed applications we approach from a more logical direction using bank statements and credit history. We use the homebuyer’s previous bank statements, deposit history and profit/loss statements to determine qualification approval.
A bank-statement loan first requires a minimum credit score, 20% down, and at least 3 years from credit issues such as bankruptcy and/or foreclosure.
Bank-statement loans are available on home purchases and refinances, available for primary residence mortgages, investment properties, and second-home mortgages. We evaluate bank-statement mortgage applications on a case-by-case basis to provide an objective and considerate analysis. Interest-only options are available in select circumstances, determined on a case-by-case basis.
Not all borrowers need to explore a bank-statement mortgage, while a bank-statement loan can be the ideal loan solution for others. These borrowers may include:
If you are self-employed and have questions about your ability to qualify for a mortgage, contact us today or Apply Online and we can help you determine the best home loan program.
