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One Couple.
200+ Lenders.
Your Path Home.

With over 35 years of experience, our mission is simple: Our Family Helping Yours. 

Trust us to guide you through the mortgage process and help make your homeownership dreams reality! 

Stephanie & David Cramm | Mortgage Loan Brokers
NMLS: #243972 and #565968

Powered by Xpert Home Lending, Inc. NMLS #2179191

Purchase

Start your homebuying journey

Refinance

Refinance your mortgage

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Let's discuss your needs

Mortgage Payment Calculator

Calculate how much your monthly mortgage payment could be.

* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

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Your Situation Isn’t Standard... Your Mortgage Shouldn’t Be Either.

We’re That Mortgage Couple, Colorado-based mortgage brokers with access to 200+ banks and investors, available in more than 40 states. One conversation, a whole market of options.

Why a broker?
A bank can only sell you what’s on its own shelf. We’re more like Amazon: we shop 200+ banks and lenders to find the loan that fits you, and a competitive rate, not just the one a single company happens to offer.

We solve "tough" lending issues

  • Income or credit challenges? We have loan products built for exactly that.
  • Need help with a down payment? We have assistance programs.
  • Want someone to walk you through it? Taking the time to explain every step is what we do.

Every loan type, one place
FHA, VA, Conventional, Jumbo, Non-QM, Home Equity Loans, Reverse Mortgages, USDA, Land Loans and even commercial loans!

Whether you’re buying your first home, your dream home, or you’re refinancing, we’ll find your path to yes.

Call, text, or email us today!  Available 7 days a week. 


What our customers say
Reviews
(145)
Emily Bevington
1 month ago
This is the 2nd time that I have worked with Stephanie on a h…
Micah Little
3 months ago
Stephanie was great to work with. She was able to get us a l…
Russell McCampbell
3 months ago
It was a great experience all the way to closing.
Marjorie Engle Realtor
3 months ago
I’ve had the pleasure of working with Stephanie on numerous r…

Call Our Experts Today!

(303) 931-6776

Contact Us

8375 Willow St Suite 300
Lone Tree, CO 80124
Phone: (303) 931-6776
Email: scramm@xperthomelending.com


What our clients say about us!

Stephanie was top tier. Helped us through what felt like the impossible. Smooth process from start to finish, and happily answered any question we had along the way.

- Anthony P.

Stephanie you are amazing and so helpful, everything you done for me getting everything pushed through and thanks for walking me through a lot of paper work.
I really appreciate you and was very happy working with you! Thank you so so much.

 

- Henry R.

Amazing experience! Very responsive and knowledgable! Makes the whole process easy and stress free! Would definitely recommend!

- Raisa S.

Stephanie and her whole team were great during this process. I will highly recommend them! Answered all my questions and made this as process as smooth and easy as possible.

- Tom C.

David and Stephanie were awesome! They worked on our mortgage with a tight time crunch and out of state as well!!! Communication was great! We appreciated everything they did. We would ABSOLUTELY recommend them and their team for your mortgage needs.

- Laura S.

The Right Tools to Help you Every Step of the Way

Step by step guide

An easy way to know your next step

Glossary

Break down the terms and acronyms that will be used

Loan Programs

Learn what loan options are available

Mortgage News

Learn about current topics and trends

Checklist

The list of documents you need to get started

Personal Chat

Contact us for a free consultation to get your questions answered