That Mortgage Couple

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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!

06/21/2026

Today we pause to honor those who taught us how to work and play — not just for a day, but for a lifetime. Wishing a warm and meaningful Father’s Day to all who are celebrating, remembering, or supporting someone special. That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

Wishing you a (p)awesome Easter celebration! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.
04/04/2026

Wishing you a (p)awesome Easter celebration! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

Wishing you the luck of the Irish today and every day! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Len...
03/17/2026

Wishing you the luck of the Irish today and every day! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

Overpaying on interest? Now that’s madness! If you’re paying too much for your mortgage or other high-interest debt, you...
03/12/2026

Overpaying on interest? Now that’s madness! If you’re paying too much for your mortgage or other high-interest debt, your busted bracket should be the least of your worries. Let’s see if refinancing could help you score a financial win. Inquire for more details! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

03/02/2026

Remember the time change! This is a good weekend to test your alarm systems, too. You'll sleep easier when you know your family is safe — and we're going to need all the extra sleep we can get next week! That Mortgage Couple @ Xpert Home Lending is an Equal Housing Lender.

What is the FICO Resilience Index? Learn how it impacts you.
02/24/2026

What is the FICO Resilience Index? Learn how it impacts you.

We all know that your FICO® score has a far-reaching impact, from your ability to secure a mortgage to financing a car or opening a new credit card. But have you heard of the FICO Resilience Index? It may be able to help improve your creditworthiness in times of economic uncertainty.

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.

Address

8375 Willow Street
Denver, CO
80124

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