About Us

Real Estate agents can build their business by partnering with me using my co-branded Smart Phone App, Rate Plug and other technology. As a Vice President and loan officer at Draper and Kramer Mortgage Corp.,I have built a strong reputation as a knowledgeable mortgage banker serving the mortgage financing needs of real estate professionals, builders, individual home buyers and current homeowners. I am an expert in guiding my clients through the home purchase process. Current homeowners seek my advice to help them reduce their mortgage payments, establish a line of credit or consolidate debt. I pride myself in matching my clients with a loan product that best meets their needs. Throughout the lending process I provide regular loan updates and progress reports so clients always know the status of their loan. It is my pleasure to combine "high tech" Internet technology with my "high touch" personal mortgage service.

I encourage you to take the time to view each aspect of the web site and explore the link section. For those of you that already have a mortgage loan, make sure you ask for a FREE mortgage analysis to see if it makes sense to refinance. Just send me an email with your request. Home buyers should contact me BEFORE they begin searching for a home. It is very important to get pre-approved for a mortgage loan. A pre-approval will help you focus in the right price range and shows realtors and home sellers that you are a serious buyer. Feel free to complete a loan application online and remember, personal service is a phone call away. Thank you for visiting my web site. I appreciate your business and your referrals.

Products & Services
Mortgages by Draper and Kramer Mortgage Corp.
Draper and Kramer Mortgage Corp. offers mortgage financing for residential real estate in Illinois and other states. We can help you finance your ...
Financial Services by Draper and Kramer Mortgage Corp.
Draper and Kramer Mortgage Corp. offers mortgage financing on residential real estate of up to 4 units for usage as a primary residence, 2nd home o...
Free Consultation Calls by Draper and Kramer Mortgage Corp.
When you need to count on expertise, we're here to help. Draper and Kramer Mortgage Corp. offers free consultation calls to clients in and around N...
Recommendations Given (5)
" Carin is the nicest person that you will ever meet. Superior service level. Her systems and..." Read more " Carin is the nicest person that you will ever meet. Superior service level. Her systems and instruction can really make a positive change in your life."
"Great Service!"
Recent Activity

Mark from Draper and Kramer Mortgage Corp. Answered this on January 12, 2021
Keep in mind that the traditional  mortgage financing for 1-4 unit residential properties is not available for properties  that are owned by a LLC.  Your interest rate, loan term and fees will be different. In most cases you will need to use commercial financing and lending institutions may still... (more) Keep in mind that the traditional  mortgage financing for 1-4 unit residential properties is not available for properties  that are owned by a LLC.  Your interest rate, loan term and fees will be different. In most cases you will need to use commercial financing and lending institutions may still want you to take on personal liability for repayment of the debt.  If traditional commercial financing is not available there are other lenders that will finance real estate owned by a LLC.  The interest rate is higher and you may have prepayment penalties.

Mark from Draper and Kramer Mortgage Corp. Answered this on May 13, 2019
A mortgage pre-approval prior to shopping for a home removes one roadblock in the decision making process.  I have some great tools to be able to show a buyer/borrower the cost of waiting.    Another great tool is being able to show a buying prospect the Rent vs Buy analysis to show the wealth... (more) A mortgage pre-approval prior to shopping for a home removes one roadblock in the decision making process.  I have some great tools to be able to show a buyer/borrower the cost of waiting.    Another great tool is being able to show a buying prospect the Rent vs Buy analysis to show the wealth creation that occurs when you buy.    At that point, if they like the property they should buy it.   

Mark from Draper and Kramer Mortgage Corp. Answered this on November 08, 2018
My policy is to recommend businesses that I actually use or if they performed well for one of my customers.  If they did not perform well, no recommendation.  If they ask me why I won't recommend them, I tell them what they have to improve to get my recommendation.  I would want someone to tell... (more) My policy is to recommend businesses that I actually use or if they performed well for one of my customers.  If they did not perform well, no recommendation.  If they ask me why I won't recommend them, I tell them what they have to improve to get my recommendation.  I would want someone to tell me how I could improve.  Bottom line is that recommendations should be earned.  A recommendation with a story/comment is the best.  
2 Replies

Mark from Draper and Kramer Mortgage Corp. Answered this on April 26, 2018
Over 50% of the purchase mortgage loans I am originating this year are for 1st time home buyers (11 completed so far). I really enjoy working with this group as they want to be educated about the buying and financing process so they are confident that they are making the right decision.  Many... (more) Over 50% of the purchase mortgage loans I am originating this year are for 1st time home buyers (11 completed so far). I really enjoy working with this group as they want to be educated about the buying and financing process so they are confident that they are making the right decision.  Many want to know about low down payment programs and down payment assistance programs.  A solid mortgage pre-approval gives them confidence and can help when there are multiple offers.   I closed a 1st time buyer mortgage in 12 business days from contract signing.  They were thrilled to get into the home to be able to remodel it before their wedding!   I do business in Illinois, Indiana, Michigan, Wisconsin, Florida and Tennessee.

Mark from Draper and Kramer Mortgage Corp. Answered this on February 05, 2018
My past clients and new home buyers are using my Smart Phone Mortgage App to access our mortgage calculator so they know what their monthly payment will be as they are looking at home to buy. The decision process to write an offer is quicker. Real Estate Agents use it too as it can be... (more) My past clients and new home buyers are using my Smart Phone Mortgage App to access our mortgage calculator so they know what their monthly payment will be as they are looking at home to buy. The decision process to write an offer is quicker. Real Estate Agents use it too as it can be co-branded and there is a great share feature via text or email to prospects. It is a good tool to put in a buyer's hands after our initial contact. This is just one example of the technology that we have implemented to help the home buyer be more informed in real time.

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