About Jeff Kramer
Jeff Kramer is a Vice President of Mortgage Lending with Guaranteed Rate Affinity, serving clients throughout Frisco, Texas (75034), the greater North Dallas market, and borrowers across Texas and the United States. With more than 28 years of experience in residential mortgage lending, Jeff has established himself as a trusted financing strategist known for delivering solutions in complex, high-stakes transactions where precision and execution matter most. Jeff specializes in working with self-employed borrowers, real estate investors, and clients with non-traditional income structures who often face challenges with conventional lending. His expertise spans bank statement loans, DSCR investor financing, 1099 income qualification, jumbo loans, VA loans, conventional loans and FHA loans, and portfolio lending solutions designed for flexibility, speed, and results. While he is widely recognized for structuring complex financing scenarios, Jeff is equally effective in delivering streamlined, competitive solutions for traditional homebuyers utilizing conventional and FHA financing. Recognized by real estate professionals as a go-to resource when deals become difficult, Jeff has built a reputation for solving problems other lenders cannot. His proactive, detail-oriented approach allows him to identify obstacles early, structure smart solutions, and keep transactions moving forward with confidence. For agents, he is the lender you bring in when the deal needs to close. For clients, he is the advisor who ensures they are making the right financial move—not just a fast one. What truly sets Jeff apart is his ability to combine high-level lending expertise with a grounded, approachable personality that clients and partners naturally connect with. He's a steak-and-potatoes kind of guy who values simplicity, consistency, and doing things the right way. When he's not helping clients secure financing, you'll likely find him in Panama City Beach, enjoying the ocean breeze, watching the sunset roll in over the water, and recharging by the rhythm of the waves. Jeff lives an active lifestyle and brings that same energy into his business. He's passionate about fitness, travel, boating, snow skiing, and sports, and he's always planning the next experience—whether it's returning to the coast or one day making the trip to Brisbane. He's also known for enjoying great food and experiences, including his appreciation for pizza festivals and time spent with family. At his core, Jeff is a family-focused professional who values relationships above transactions. He takes pride in helping clients navigate one of the most important financial decisions of their lives while also guiding them in building long-term wealth through real estate. Backed by the national strength, technology, and resources of Guaranteed Rate, Jeff delivers a seamless, efficient lending experience while maintaining a highly personalized approach. For borrowers seeking clarity and confidence, and for real estate professionals who need a lender capable of delivering when it matters most, Jeff Kramer stands out as a trusted, results-driven mortgage expert in today's competitive market.
