Jeff Kramer
VP of Mortgage Lending at Guaranteed Rate Affinity, LLC · Frisco, TX
NMLS ID 290136 (opens in a new tab) · verify at NMLS Consumer Access
Jeff Kramer (NMLS 290136) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Frisco, TX. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: VA loan, Bank statement loan, DSCR loan, Real estate investor and Self-employed. Earliest state license record: January 12, 2024 (Texas), per state regulator. States 28 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 12, 2024 (Texas), per state regulator
- 28 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: VA loan(from their lender profile page)
- Focus: Bank statement loan(from their lender profile page)
- Focus: DSCR loan(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
- Focus: Self-employed(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: TX (opens in a new tab), verified 2026-10-13.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Frisco, TX · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Has 28 years of mortgage experience and focuses on financing for borrowers who don't fit traditional guidelines, with a dedicated VA loan focus.
Our summary of the lender page. Verified 2026-10-15.
Sources
| Name and employer | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Jeff Kramer (NMLS 290136), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/jeff-kramer-290136, last verified 2026-10-15.
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