With 28 years of mortgage experience, Jeff Kramer specializes in financing solutions for borrowers who don't fit traditional lending guidelines.  
With Guaranteed Rate Affinity's Portfolio loan suite, Jeff helps clients qualify using:


- Bank Statement Loans*  
- DSCR Loans** – Ideal for investment property or Airbnb home purchases  
- No Tax Return Options


Perfect for self-employed borrowers, investors, and complex income situations.


As a dedicated VA Loan Expert***, Jeff is committed to helping Veterans maximize their benefits, including:


- Low or No Out-of-Pocket Costs  
- Specialized Disabled Veteran Programs  
- No Property Taxes in Texas for 100% Disabled Veterans


Smart solutions. Clear guidance. Proven experience.


Ready to Explore Your Options? Let's structure a loan that works for your unique situation.


Call Jeff Kramer today or start your application now.


**Available for owner occupied, second home or investment properties. Property type restrictions apply. 1099 and 12 month bank statement income qualification is available. Applicant subject to credit and underwriting approval. Additional restrictions apply.*


***Eligible borrowers must have a minimum DSCR of .75. Property type restrictions apply. Eligible for fixed and adjustable rate mortgages. Interest only payment options are available. Gift funds may be used for down payment and closing costs after the borrower has documented the minimum required borrower contribution. Applicant subject to credit and underwriting approval. Additional restrictions apply.*


****Guaranteed Rate Affinity has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*


*****Guaranteed Rate Affinity does not provide tax advice. The consumer should always consult a tax advisor for information regarding the deductibility of interest and other charges in their particular situation.*

VP of Mortgage Lending

Jeff Kramer is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (214) 295-4027 for more information!

Jeff Kramer at Guaranteed Rate Affinity (NMLS #290136)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Rhoan Hernandez is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Rhoan is committed to helping homeowners with home purchase loans and refinances. Contact Rhoan at (214) 295-4020 for more information!

Rhoan Hernandez at Guaranteed Rate Affinity (NMLS #1437544)

Helping first-time buyers, move up buyers, investors, and self employed borrowers in Dallas Fort Worth and across the great state of Texas buy homes with confidence, without the stress.


Hi, I'm Donna Hambek, a mortgage loan officer based in Frisco, TX, helping clients navigate the home financing process with clarity and confidence for 26 years and over 2000 families helped.  
I specialize in working with first-time homebuyers, move up buyers, investors, and self employed borrowers across **DFW and Texas** offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like **FHA, VA, Conventional, Jumbo, Non-QM**  
**- Have unique income or a complex deal**  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- I get to know my client's exact needs and find solutions to match their needs  
- Elite communication, timely responses and ability to reach me  
- I answer not only during the work day but after hours weekends and provide guidance to situations where it is needed and to first time buyers that are not familiar with the process


**Do you need 20% down to buy a home?**  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
**What credit score do you need?**  
It varies, but there are options available even if your credit isn't perfect.  
**How much home can you afford?**  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout **Texas** secure financing for homes ranging from all price ranges and property types, and I'm proud to be a trusted resource for both buyers and local real estate agents. I was named a D Magazine Top Producer from 2014-2019 and 5 Star Professional from 2014-2026.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me **spending time with my 2 grown boys (24 and 27 years old) and my beatiful German Shepherd. My favorite hobbies are cooking and exercising. If I am vacationing, I will be on a beach somewhere!**


I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Donna Hambek is your Frisco  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Donna is committed to helping homeowners with home purchase loans and refinances. Contact Donna at (214) 295-4008 for more information!

Donna Hambek at Guaranteed Rate Affinity (NMLS #396728)

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