Mortgage Loan Officer - Tom Cramer

Mortgage Loan Officer - Tom Cramer NMLS ID: 559640
Mortgage expert since 1997 💪 Lending in all 50 states! Honest, transparent & competitive rates. Broker + Bank = Best of Both Worlds.

Purchase, Refi & more! 📍 Palatine, IL | www.TomCramerMortgageLoanOfficer.com | 847-852-2882 Direct I understand that buying or refinancing a home is a big moment, and I’m here to give you the knowledge and resources you need to make informed decisions with confidence. During my 15+ years of experience in the mortgage industry, I have shared my expertise to personally assist numerous families to be

come successful homeowners. I have an extensive background assisting first time homebuyers, high net worth borrowers, low-to-moderate income borrowers, self-employed borrowers and investment borrowers. I'm backed by bank but have the flexibility to use one of many banks signed up as investors which allows me to do the rate shopping for you.

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

Medical professionals might find it hard to qualify for most mortgages right out of medical school. But the Wintrust Phy...
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

Today, we pause to honor the brave service members who gave their lives for our country. We're deeply grateful for their...
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.

You deserve to own a home that you love. Wintrust Mortgage is offering the Fannie Mae HomeReady® program for very low-in...
05/24/2026

You deserve to own a home that you love. Wintrust Mortgage is offering the Fannie Mae HomeReady® program for very low-income borrowers, who may receive a $2,500 credit toward a down payment and other costs at closing. Restrictions apply. Get in touch today to get started!

05/22/2026

🏡 Mortgage Rate Update | Week of May 22, 2026

Rates ended the week roughly unchanged — we saw some improvement mid-week but are still sitting about 0.625% higher than pre-Iran conflict levels heading into the Memorial Day weekend.

📉 The market is stabilizing, which is encouraging news for buyers sitting on the sidelines.

🔨 Low inventory got you stuck? Don’t overlook homes that need a little love! With a Renovation Loan or Construction-to-Permanent Loan, you can:
✅ Purchase + renovate in ONE loan
✅ One closing, one set of closing costs
✅ Turn a fixer-upper into your dream home

That house sitting on the market because it needs updates? That could be your opportunity.

🌤️ Hope everyone has a safe and enjoyable Memorial Day weekend — you’ve earned it!

📲 Questions about rates or renovation financing? Let’s talk.

Tom Cramer | Sr Mortgage Loan Officer
Wintrust Mortgage | NMLS #559640
📞 847.852.2882
🌐 www.TomCramerMortgageLoanOfficer.com

Becoming a homeowner is an incredible life milestone-are you ready to reach it? With the new Launch program, qualified l...
05/22/2026

Becoming a homeowner is an incredible life milestone-are you ready to reach it? With the new Launch program, qualified low- to moderate-income first-time homebuyers could receive up to $20,000 (or 20% of the purchase price, whichever is less,) in assistance toward a down payment, closing costs, and/or counseling costs. Eligibility and geographic restrictions apply. Get in touch with me today to learn more!

http://www.TomCramerMortgageLoanOfficer.com

U.S. Veterans have earned valuable benefits through military service, including the opportunity to use VA loans to achie...
05/21/2026

U.S. Veterans have earned valuable benefits through military service, including the opportunity to use VA loans to achieve their homeownership goals. Wintrust Mortgage can help Veterans with a wide range of loan options including low- or no-down payment home financing. Restrictions apply. Reach out to one of our loan experts to see what's possible!

http://www.TomCramerMortgageLoanOfficer.com

05/20/2026

Planning a home improvement or renovation project this spring? Check out our video on choosing the right contractor to help protect your investment and realize your vision. Ready to get started? Contact me today to find out if you qualify for renovation financing. http://www.TomCramerMortgageLoanOfficer.com

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110 N Brockway, Suite 210
Palatine, IL
60067

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
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