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Home > Financial Services > Mortgage Brokers > Kramer Mortgage Companies
Kramer Mortgage Companies
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
Kramer Mortgage Company is locally owned and operated by Paul D. Kramer, who brings you 9 years of originating expertise and operates as a licensed mortgage broker throughout the entire state of Iowa. Kramer Mortgage is a small firm, which means they can offer individual attention to each and every one of their customers.
Kramer Mortgage boasts a virtually limitless array of products and eight experienced consultants who have brokered loans in the state of Iowa since 1993.Unlike larger corporations who might treat you like a number, they take on fewer clients so more attention is allotted to your specific needs. You get the mortgage you need at the terms you want.
The Company understands your unique situation, and they know how to get your deal done right. Operating as a licensed broker allows Kramer Mortgage to offer a wide variety of products. They are not limited to one line of products as most banks and financial institutions are, but through their group of investors they find a specific program to meet each individual's needs.
Company assists you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are getting your documents organized, convincing the loan company that you qualify for the loan, explains the best loan plans from various companies available within your budget, applies for the loan, obtains approval for the loan, and assists in closing the loan.
The Company does not charge any up front fees like most companies, so you are at no risk. If you are comfortable with their initial response, they gather additional documentation from you which enable them to underwrite your mortgage loan and verify the information given to them on the application. They then can determine exactly what rate term and loan amount you qualify for.
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