Jen Kraemer Mortgage Loan Officer

03/27/2026

🇺🇸 4.75% VA Loan + $0 Closing Costs + $6,200 Back?! 💰🏡

My client had one goal: the lowest interest rate possible with NO closing costs… and we absolutely delivered 🙌

Veterans: did you know you can use your VA entitlement on multiple properties? That’s exactly what we did here. My client had already used part of his entitlement on another property, but still had enough remaining to cover all but 1.5% of the down payment—and we made the rest work 👇

✨ My incredible realtor partner .pro.realtor negotiated a $26,800 seller credit!!
✨ The home appraised above value, giving us room to adjust the loan
✨ We structured the deal to cover the remaining down payment AND maximize credits

The result? 👇
🔥 4.75% interest rate on a VA loan
🔥 $0 closing costs
🔥 $6,200 back in my client’s pocket at closing
No refinance needed anytime soon 💥
This is what happens when you have the right lender + the right realtor on your side.

📲 Thinking about using your VA benefits or buying your next home? Call me for all your lending needs—I’ll help you maximize every opportunity.

RealEstateWins NoClosingCosts LowInterestRate HappyClients

03/27/2026

💰 Winning the Numbers = Winning the Home! 🏡

After months of searching, my amazing clients found the one! 🎉 Their focus? Closing costs.

We locked in a 5.5% interest rate with a $1,300 lender credit—saving them money right at the start. 💰

Huge shoutout to their incredible realtor .pro.realtor 🙌 She scored a $14k seller credit and a price drop thanks to her initiative of a complete inspection, including a sewer scope! Not only protecting her client’s interest but allowing for strong and fair negotiations.🕵️‍♀️✅

Great clients + great team = smooth, stress-free transactions. So grateful to be part of my client’s home journey! 💛

📲 Thinking about buying or refinancing? Call me for all your lending needs—I’ve got you covered every step of the way.

01/17/2026

Another happy client 🥰

When Linda & I first met, she KNEW she wanted a downtown St Pete condo!

➡️ We sat down for a game plan/strategy consultation. Together we uncover your wants, needs & deal breakers. Financially, physically & location. We clarify what the really important items for you now & in the future.

What she really wanted became very clear:

➡️ She wanted to reduce her monthly overhead.
She quickly found out that you can’t buy a downtown St Pete condo AND reduce your monthly overhead.

➡️ She was still very nervous about buying a house as she had a very bad house experience in 2008. She was open to learning about different options.

➡️ Her long-term goal is to buy a property that reduces her monthly overhead, allows her more freedom to travel, brings in rent AND is a good long-term investment.

We had to pivot a lot from her original request because the cost of living downtown or super close was too expensive.

🌟 We found a superb opportunity in a nice neighborhood that put her 8 minutes to downtown St Pete, FL. It reduces her monthly overhead, allows her to have rental income AND freedom to travel!
BONUS: A beautiful backyard for her pup to enjoy, located in a neighborhood that is QUICKLY appreciating in value!

➡️ The moral of the story is, you have to get clear on your goals, work with a professional, who actually listens to you and cares, who will guide you to what opportunities are currently available.

✅ She got the property under appraised value
✅ She got a full $11,000 towards her closing cost
✅ She got money toward some renovations that she needed to do after closing
✅ She got all of the repairs she needed for a clear four point insurance inspection

➡️ AND …….. Let’s talk about mortgages. Did you know that if you meet certain criteria you can still qualify for first-time home buyer benefits even if you’ve owned a home before?

🎉That’s exactly what Jen Kraemer Mortgage Loan Officer did for my client. After selling her first home years ago, Linda re-qualified and purchased again with just 3% DOWN.

Be sure to reach out to Jen and see what options she has for you. Different scenarios need different types of loans to create success. Having relationships with different mortgage brokers creates win, win for you.

🌟Working with us isn't just a transaction; it's a partnership where your dreams meet our expertise.

If you’re ready, I’m here to help you buy, sell & invest with confidence. Whether it’s your first property or multi-million $$ portfolio, I’ve got you covered!

🔸Laura Marie, REALTOR®
Helping you strategically Buy, Sell & Invest
Laura Marie Group @ eXp Realty
www.YourHomeSoldFL.com
(727) 350-7003

01/03/2026

💼 Equity In. Capital Out. Next Deal Ready.

My clients (thank you .pro.realtor for the referral) are experienced real estate investors who purchased a unique investment property with cash and were ready to leverage that equity through a cash-out refinance to fund their next acquisition.

Their goals were clear:
✔️ A low interest rate
✔️ A closing before year-end

We delivered—securing a 6.375% interest rate and closing just before the New Year, unlocking capital for their next investment move.

When financing unique investment properties, having the right lending partner matters. Understanding the nuances of both investor-focused loan programs and property-specific requirements is what makes deals like this possible.

📲 Scaling your portfolio or planning your next investment?

Let’s structure financing that works for you—not the other way around.

01/03/2026

🏡First-Time Buyer… Again!

Did you know that if you meet certain criteria you can still qualify for first-time home buyer benefits even if you’ve owned a home before?

That’s exactly what we did for my client. After selling her first home years ago, she re-qualified and purchased again with just 3% down. 🎉

Her amazing Realtor, .pro.realtor negotiated a 3% seller credit, helping keep her out-of-pocket costs nice and low 🤩💰

I secured her an excellent 5.624% interest rate and while my client is self employed (which created some unique challenges) we closed perfectly on time ✨

Lender experience matters—especially when the deal isn’t cookie-cutter!

📲 Buying your first home (or first-time buyer again)?
Let’s make it strategic, smooth, and stress-free

01/03/2026

🏡 Second Home. Smart Move.

My clients officially became Florida snowbirds with a second-home purchase at the stunning new Castille Urbana Condos in downtown St. Pete. 🌴

Huge shout-out to .pro.realtor, who negotiated an amazing $10,000 seller credit, keeping costs down and value high. 🙌

My clients were thrilled:
✔️ 6.125% interest rate
✔️ Fast closing—even over Thanksgiving
✔️ A place to enjoy Florida whenever they want

Second homes and investment properties require the right strategy and the right lender—and that’s exactly what this deal delivered.

📩 Second home or investment property on your radar?
Let’s make it fast, easy, and financially smart.

01/03/2026

🏡 First Home. First Investment. 5.125% Rate!

So excited for my first-time home buyer client who made a bold and smart decision—buying his first property and stepping into real estate investing. 👏

First-time buyers often make excellent investors:
Buy a home ✔️
Live in it for a year or two ✔️
Turn it into a rental ✔️
Repeat until you land your dream home ✔️

Huge shout-out to .pro.realtor , who negotiated an incredible 4% seller credit, keeping closing costs nice and low. 🙌

We also locked in an excellent 5.125% interest rate and closed quickly—just in time for the holidays. 🎄✨

📲 Thinking about buying your first home or first investment property?
Let’s talk great rates, smart strategy, and fast closings.

09/23/2025

✨🏡 Credit Repair to Dream Home!🏡✨

Back in April, my first-time buyers came to me with a big goal: buy their first home by August.

The challenge? Their credit needed repair. 💳
Life happens—missed payments, setbacks—but that’s why contacting your lender early is so important!

We made a plan, they worked hard, and their scores went up. 🙌

Fast forward → they found their dream home!

Realtor Chris Thompson from the Thompson Group at Keller Williams worked with my clients to ensure the transaction went smoothly and supported my clients getting a great deal on a gorgeous home and with a home warranty. ⭐️

Closing costs? Covered ✅ With access to great rates and programs at Lincoln Lending Group, I provided a lender credit that saved them thousands—help making this first home possible.💪💰

So incredibly proud of my clients for making it happen! 💙

👉 With great rates and smart solutions, I can help you get into your dream home too.

08/19/2025

⭐️HOMETOWN HEROES IS HERE⭐️

If you work in a qualified field we can help you save money on your down payment! Act now! The money goes fast 💨

If you aren’t a hometown hero, it’s ok!
We still have other down payment assistance programs and ways to save money! 💰

☎️ Contact us today!

08/12/2025

📉🏡 5.875% Rate & Setting up for Success🏡📉

My first-time homebuyer client started out nervous — but with the right lending plan, we turned that nervous energy into a smooth, confident closing. 🙌
Here’s how we set her up for long-term success:
📊 Planned ahead for her second-year tax reassessment so there are no payment surprises.
💰 Compared multiple insurance quotes to secure the best coverage at the lowest cost.
📉 Locked in a 5.875% conventional loan tailored to her budget and goals- yes these rates are possible with a wholesale lender!

Partnering with her amazing realtor .pro.realtor , she also scored:
💵 $10K in seller credits
☀️ Solar panels fully paid off
🌳 A dream location next to a nature preserve
That’s what happens when your mortgage strategy goes beyond just getting approved — it’s about building long-term financial confidence.
📩 Want a great rate AND a great plan? Let’s talk.