That Mortgage Couple

That Mortgage Couple David & Stephanie Cramm - Mortgage Originators NMLS #565968;243972 at Xpert Home Lending #2179191 EHL Welcome to That Mortgage Couple at Xpert Home Lending!

We're Stephanie and David Cramm, seasoned mortgage professionals with over 20 years of experience each. Our mission is simple: Our Family Helping Yours. As mortgage brokers, we offer a wide range of loan programs, including FHA, VA, Conventional, Jumbo, and more, with competitive rates and exceptional service. Trust us to guide you through the mortgage process with expertise and care. Let's make your homeownership dreams a reality together!

What does next year hold for the real estate market? The final Fed Meeting of the year makes the picture murky.
12/12/2025

What does next year hold for the real estate market? The final Fed Meeting of the year makes the picture murky.

Enjoy this quick update on what's going on in the housing and financial markets.

Pop quiz! Think you know fall home maintenance?
09/16/2025

Pop quiz! Think you know fall home maintenance?

Sharpen your #2 pencil (just kidding — you won’t need it). Fall is nearly here, and it’s time for a quick refresher on home maintenance. Think of this as your seasonal pop quiz, only instead of grades, you get a safer, cozier home. Let’s see how many of these you can ace …

Broad changes enacted with the passage of the tax and reconciliation bill may help homeowners and buyers, including dedu...
08/06/2025

Broad changes enacted with the passage of the tax and reconciliation bill may help homeowners and buyers, including deductions for mortgage interest and mortgage insurance, a higher cap on state and local tax deductions, benefits for real estate investors, and more. I have the details. Please reach out if you’d like to learn more. That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

🚨 Mortgage rates just dipped — here’s why 👇Today’s jobs report was way weaker than expected. That gives the Fed room to ...
08/01/2025

🚨 Mortgage rates just dipped — here’s why 👇

Today’s jobs report was way weaker than expected. That gives the Fed room to cut rates… and guess what? Mortgage rates are already reacting.

🏡 Whether you're buying, refinancing, pulling cash out, or just planning ahead — this could be the window you’ve been waiting for.

We’re watching rates like hawks so you don’t have to.
👉 DM us or click the link in bio — let’s talk strategy.

📉 Rates down = opportunity up.

Interested in buying some Earth? I can help! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.
04/29/2025

Interested in buying some Earth? I can help! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

It's that time of the year again - hail, wind, and more. Check your roof to ensure it's ready for the summer months.    ...
04/24/2025

It's that time of the year again - hail, wind, and more. Check your roof to ensure it's ready for the summer months.

Simple roof maintenance to-do's for homeowners

04/23/2025

Try these ideas and jumpstart the new season.Spring hasn’t sprung quite yet, but there are plenty of ways to brighten up your living space and create a feeling of newness and light. Banish the winter blues with these easy steps!

How Much Can You Qualify For?  Stephanie Cramm
04/02/2025

How Much Can You Qualify For?
Stephanie Cramm

Want to stand out in a competitive market? Get pre-approved! It's quick, easy, and could make all the difference

Be careful out there today! Wishing you an enjoyable, laughter-filled April Fools' Day. That Mortgage Couple @ Xpert Hom...
04/02/2025

Be careful out there today! Wishing you an enjoyable, laughter-filled April Fools' Day. That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

04/01/2025

It's tax time! Many of us dread filing taxes, but getting a refund can take the sting away. If you or someone you know wants to put a refund toward a new home or to jumpstart improvements on your current home, please reach out. I'll be happy to help! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

02/14/2025

What better day to say that we love doing business with our clients and realtors? Happy Valentine's Day to all!

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8375 Willow Street
Denver, CO
80124

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Stephanie Cramm Lending NMLS#243972

For more than 15 years I have been helping people realize the American Dream of home ownership. With thorough mortgage planning and sound advice I help my borrowers move from their starter home to their dream home!