Paul S. Kramer - NMLS 223798

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Paul S. Kramer - NMLS 223798 Vice President of Residential Lending
New American Funding
Licensed in the State of Illinois
NMLS 223798 Beth Israel.

For more than two decades, Paul Kramer has provided homebuyers and owners with seasoned advice, exceptional service and competitive home financing. From first-time buyers to high net worth jumbo borrowers, Paul helps customers plot the best path to their homeownership goals. As someone who has seen it all, he prides himself on finding great solutions for his borrowers and making the mortgage process as painless as possible. Paul’s reputation is a testament to his superior service and expertise. The majority of his clients are referred to him by satisfied past borrowers and a network of real estate agents, accountants and attorneys who trust in his reliable service. Over his career, Paul has helped hundreds of people obtain home financing and originated more than $200 million in loans. Chicago Magazine has named him a five-time Five Star Mortgage Professional. A Skokie native, Paul graduated from Northern Illinois University with a BS in Finance. He currently resides in Lincolnwood with his wife, Marcia, daughters, Sarah and Mollie and their rabbit, Buddy. Paul is a member of the Human Relationship Commission for Lincolnwood and an Officer (VP) at Lincolnwood Jewish Congregation A.G. In his free time, he enjoys playing softball, bowling and participating in an investment club.

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different. N...
10/16/2026

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different.

NAF Cash Secure, an affiliate of New American Funding, backs your approved Conventional or VA financing so that if anything unexpected comes up between approval and closing, your purchase stays on track.

Smart buyers protect their biggest investment. You've got this.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/14/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing.

The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November.

That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process.

If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Your home equity could be a powerful financial tool. 🏡💰A cash-out refinance allows you to replace your current mortgage ...
10/12/2026

Your home equity could be a powerful financial tool. 🏡💰
A cash-out refinance allows you to replace your current mortgage with a new, larger loan and receive the difference in cash—giving you funds that may be used for things like consolidating high-interest debt, home improvements, education costs, medical expenses, or other financial goals.
Of course, it’s important to look at the full picture, including your new payment, closing costs, and how much equity you’ll have remaining.
Curious if a cash-out refinance could make sense for your goals? Let’s talk about your options.

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid f...
10/09/2026

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid for the next deal. Invest with less, message me to get started

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership ...
10/07/2026

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership can give you the opportunity to build your own equity over time. 🔑 NAF is here to help you understand your options and take the next step. 💬 Ready to see what buying could look like for you? Let’s talk!

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive marke...
10/05/2026

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive market.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/05/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing. The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November. That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process. If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, the...
09/30/2026

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, there are a few smart questions every buyer should ask:

🏡Is this a temporary or permanent mortgage rate buydown?
🏡Who’s paying for it—the builder or seller, the lender, or you?
🏡What happens when the rate resets?
🏡Are there other trade-offs (like reduced closing costs or a higher sale price)?

Interested in buydown options available to you? Call me!

Address

400 Skokie Boulevard
Northbrook, IL
60062

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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