{
  "canonical_url": "https://lendb.ai/lo/jeff-kramer-290136",
  "loan_officer": {
    "nmls_id": 290136,
    "slug": "jeff-kramer-290136",
    "canonical_url": "https://lendb.ai/lo/jeff-kramer-290136",
    "md_url": "https://lendb.ai/lo/jeff-kramer-290136.md",
    "json_url": "https://lendb.ai/lo/jeff-kramer-290136.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/290136",
    "full_name": {
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      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jeff",
    "last_name": "Kramer",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/FrANrxn4sJ8WR7AelF3Pd2ov7oK_CZOwAODtAOWxfhQ/191x275.jpg",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Has 28 years of mortgage experience and focuses on financing for borrowers who don't fit traditional guidelines, with a dedicated VA loan focus.",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Frisco",
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      "branch_zip": "75034",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Frisco",
        "branch_state": "TX",
        "branch_zip": "75034",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-01-12",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/jeffkramermortgage/",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "28",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 11:08:10.470728+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jeff-kramer-290136#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/jeff-kramer-290136",
      "verified_at": "2026-10-15"
    },
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      "state": "TX"
    },
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      "state": "TX"
    },
    "federal_registration": null
  }
}