Mortgage Loan Officer - Tom Cramer

06/05/2026

06/04/2026

Inspections and appraisals are important parts of the mortgage process that help protect a buyer's investment. Learn more about these processes, and reach out to me to start your homeownership journey. http://www.TomCramerMortgageLoanOfficer.com

05/31/2026

How much home can you afford? It depends on your income, existing debt, estimated down payment, and ongoing expenses like taxes and insurance. Use our affordability calculator to estimate a comfortable price range before you start house hunting:

https://www.wintrustmortgage.com/articles/calculators/how-much-home-can-i-afford.html?nmls=559640

05/29/2026

🏡 Friday Rate Update — Great News to End the Week!

Mortgage rates dropped again this week — and it’s been 8 straight business days of rates holding steady or moving lower. That kind of momentum doesn’t happen often, so it’s worth paying attention.

So what’s driving rates down?
The bond market has been cooperating, the 10-year Treasury has pulled back, and there’s growing optimism around global geopolitical tensions easing — particularly around the Iran situation. When uncertainty fades, bonds rally and mortgage rates tend to follow. Good news on that front has been good news for borrowers.

The takeaway? Conditions are improving and buyers who act are winning.

🙋‍♂️ I am beyond accessible this weekend.

If you or someone you know is thinking about buying — there is zero reason to wait until Monday. Let’s talk this weekend, run the numbers, and get you moving.

Licensed in all 50 states

www.tomcramermortgageloanofficer.com

05/29/2026

Did you know the common notion that you need a large down payment to buy a home is not always true? In some cases, you can buy a home with a much lower down payment-or sometimes none at all. If you're interested in learning more about your personal homebuying options, get in touch with me today! http://www.TomCramerMortgageLoanOfficer.com

05/27/2026

You may have heard of "paying points" to lower your mortgage rate, but what does that mean? Is it worth it? Check out our blog to learn more about how mortgage discount points work, and how they could potentially save you money in the long run. Reach out to me today or click here to learn more!

https://www.wintrustmortgage.com/articles/2025/07/understanding-mortgage-point-what-they-are-and-how-they-work.html

05/26/2026

Medical professionals might find it hard to qualify for most mortgages right out of medical school. But the Wintrust Physician Mortgage program helps eligible medical professionals overcome this with loan terms specifically designed for them. Reach out to me today or click here to learn more!

https://www.wintrustmortgage.com/lp/2025/physician-mortgage.html

05/25/2026

Today, we pause to honor the brave service members who gave their lives for our country. We're deeply grateful for their sacrifice and for the families who carry their legacy forward. We remember.