Buy
Purchase
Primary homes and second homes — including buyers other lenders have already turned away.
- Conventional and government programs
- Self-employed and non-traditional income
- Unusual parcels, land, and rural property
Cramer Consulting Group · California broker
Mortgage advice that feels like private banking.
John Cramer shops wholesale lenders and places your file where it fits — then stays on it personally through funding. No call center. No handoff.
- Real estate
- CA DRE 01437002
- Mortgage
- NMLS 240556
- Broker standing
- Rocket Pro TPO · since 2021
- Your file
- One licensed person
What gets placed
Five lanes. The honest version of each.
Every file is subject to borrower qualification, property eligibility, appraisal, underwriting, and lender approval. Availability varies by lender and by scenario.
Refinance
Refinance
Rate-and-term or cash-out, evaluated against whether it is actually worth doing.
- Rate-and-term and cash-out
- Debt consolidation analysis
- Break-even math before you commit
Investor
DSCR & investment
Qualified on the property’s income rather than your tax returns.
- Single and multi-unit rentals
- Portfolio and acquisition cash-out
- Short-term rental income at some lenders
Equity
Home equity
Reaching equity without disturbing a first mortgage worth keeping.
- Second liens and lines of credit
- Equity-share and equity-release alternatives
- An honest comparison of which costs less
Reverse
Reverse mortgage
HECM and proprietary reverse for homeowners age 62 and older.
- Independent counseling required first
- You keep title and remain the owner
- See the reverse disclosures below
Hard cases
Files that don’t fit
Title defects, access problems, prior declines, unusual collateral. The specialty, not the exception.
- Previously declined applications
- Title, survey, and access complications
- A straight answer on whether it is possible
How it goes
Four steps. You know where you stand at each one.
You describe it
A short application or a call. No documents, no credit pull, no obligation — just the shape of the situation.
A straight read
Whether it can be done, roughly what it takes, and if the answer is no you hear that on the first conversation.
The file gets shopped
As a broker, John places it with the wholesale lender that fits — not forced into one company’s product set.
Same person, through funding
You are not handed off to a processor and then a closer. You keep a direct line the whole way.
Straight answers
The questions people actually ask.
What does a broker do that a bank doesn’t?
A bank or retail lender can only offer its own products. If your file doesn’t fit, the answer is no. A broker is approved with multiple wholesale lenders and sends the file to whichever one fits it — which is why brokers often place loans that a retail lender declined.
Why don’t you list rates on this site?
Because a rate quoted without your actual file is marketing, not information. Pricing depends on credit, property, occupancy, loan size, and the lender’s pricing that day. Advertising a number also legally requires a full set of additional disclosures, and a number that changes daily on a web page is not useful to you. Call and you get a real one for your scenario.
Does contacting you affect my credit?
No. A conversation is not an application. Nothing on this site pulls credit, and no credit inquiry happens until you formally apply and authorize it.
What do you actually need from me to start?
To start, a short application or a conversation. Sensitive items — Social Security numbers, account numbers, pay stubs, tax returns — are never collected on this website. Those come later on a secure channel, only if there is a reason to proceed.
I was already declined somewhere. Is it worth calling?
Usually yes, and it is most of what this desk does. A decline is one lender’s guidelines, not a verdict on the file. It helps to know who declined it and what reason they gave.
Do you handle property outside California?
California is where the licenses are active. Ask about anything else and you will get a direct answer about whether it can be placed or referred rather than a maybe.
Direct
Talk to John.
No intake queue, no lead-buying, no handoff. A straight read on whether it can be done and what it would take.
- Phone
- 619-997-4922
- Licensed in
- California