Cindy Kramer

Sep 29, 2026

I wanted to sell my rental property to my tenants, and Cindy was one of the mortgage lenders recommended by my agent. When the tenants balked at the deal, I asked Cindy if she could help me with a DSCR loan. I gave her my parameters, and she offered favorable terms. The challenge involved the property’s title, but Cindy went to work and pulled out all the stops. She worked closely with title and escrow to not only get the deal done but also get the title squared away once and for all. Cindy is a consummate professional who knows her business inside and out. I truly appreciate her patience with me, her experience, and her dedication to getting the job done. I will use no one else moving forward.

Aug 14, 2026

I recently worked with Cindy to fund a transaction, and the experience was seamless from start to finish. She kept everything organized, communicated clearly at every step, and made sure all deadlines were met without a single delay. Closing on time in this business isn't always easy, but she made it look effortless.If you're buying or refinancing and want a smooth, stress-free process, Cindy is who you want on your team.

No written review

Our experience working with Cindy was excellent. She was always responsive and was able to answer all of our questions.

May 22, 2026

Working with Cindy takes the stress out of the process. She is on top of everything, and is really nice too. I found my forever loan agent.

Apr 24, 2026

Cindy was outstanding—responsive, knowledgeable, and a pleasure to work with. She kept everything on track and ensured the process went smoothly. I truly appreciate her professionalism and dedication, and I highly recommend her!

Apr 22, 2026

Cindy is the best to work with when it comes to financing your mortgage!! She is super responsive, knowledgeable and kept me updated every step of the way through consistent communication. I've used her multiple times now and will continue to do so in the future! She's the best!

Apr 21, 2026

Cindy Kramer is the best loan officer in Orange County. Seriously!! My wife and I worked with Cindy when we bought our home, and she made the entire process incredibly smooth from start to finish. She is extremely responsive, always available to answer questions, and her communication is clear and consistent. Cindy is also very knowledgeable and guided us through every step with confidence, which made a big difference during what can be a stressful process. Everything stayed on track, and we always felt like we were in good hands. If you’re looking for a lender who is professional, reliable, one who is trustworthy, and truly cares about her clients, I highly recommend Cindy Kramer.

Apr 15, 2026

We recently purchased a home, and had the pleasure of working with Cindy Kramer to secure our loan. Working with Cindy was an extremely smooth process. From our first phone call, you could tell she was very knowledgeable, and was able to answer any and all questions we had. We were looking for someone who was going to be responsive and keep open lines of communication through a quick closing process. Cindy was available whenever we needed something pushed through, changed, or just had a question. I would highly recommend Cindy and her team for your next purchase. Thank you again!

Cindy was fantastic to work with. She explained everything clearly and made the process so quick and smooth for us getting our new mortgage. We were able to close in 21 days without any issues and she handled everything. Thank you to her and the team!

Cindy is a true professional. She made the entire process simple and transparent, with absolutely no surprises. Most importantly, she was incredibly fast and kept everything moving forward smoothly

Apr 2, 2026

Cindy is a solutions based lender in the Newport Beach area with the goal of providing the highest level of service and advice possible. If you are looking for an experienced, local professional, Cindy is a great choice.

Everyone was professional and personal and patient.

Cindy Kramer and Brian were fantastic and handling my escrow

Thank you Cindy for all your personalized help in answering my questions and helping me navigate through the loan process. I appreciate that you were always friendly and patient the many times we spoke on the phone.

Jan 1, 2026

I could’ve asked for a better A better Group of individuals in Guaranteed Rate then Cindy Kramer she was fantastic individual in handling all my paperwork in getting my loan and handling the closure of the property thank you thank you thank you again for all your great work

Oct 15, 2025

Cindy is amazing! She answered all my questions so quickly and made my first home-buying process smooth and easy. I’m very grateful for her help — the best lender ever! 🙏🏻 I wish if I can give her above 5star✅✅✅✅✅

Mortgage broker was very knowledgeable and attentive to our needs and questions. Very professional experience!

Professional very helpful & available to answer any questions.

Ease of communication

Great customer service and transaction handling

I would refer to Guaranteed Rate

Nov 21, 2024

Cindy Kramer made the loan process super easy and efficient. I would give her 10 stars if I could. She’s friendly and professional. Truly a great experience working with her.

Cindy My Agent, she was great.

We worked with Cindy Kramer in CA and she was OUTSTANDING!! I would absolutely seek her out to work with her again in the future.

Easy to work with

My rep Cindy Kramer was awesome - so knowledgable, professional, helpful, always accessible - made the whole process fairly easy and painless

Guaranteed Rate Affinity has excellent personnel such as Cindy Kraemer who is efficient, brilliant, and patient. She goes above and beyond and provides excellent service.

Because of Cindy Kramer.

Oct 7, 2024

Cindy Kramer was really great to work with - seemed like any time I needed her, she was there to answer questions and assist with the process😊. Greatly appreciate her professionalism and helpfulness & would happily recommend her to others.

Aug 27, 2024

Cindy was very professional and qualified us for our home loan, she had our loan approved which made our home purchase smooth and closed in record time, she kept us informed with updates throughout the process, great personality friendly and patience to work with. Thank You sincerely Teresa & Scott