Real Estate & Lending

One of the most important steps in the real estate transaction is accurately realizing your spending power. I highly recommend speaking with your financial advisor as well as a few lenders. Speaking with a lender is going to provide you with the most accurate answers to some of the most common & subjective questions that come to mind when thinking of real estate such as:

  • How much money do I need for a down payment?
  • How much money is due at the closing table?
  • Am I in a financial position to purchase a home?
  • What changes can I put in effect to be ready to buy a home?
  • What is the current interest rate and what will mine be?

Lenders are institutions of financial information with a passion for their industry that fuels their careers. Below are a few lenders that I have worked with in the past and had an exceptional experience with. Please feel free to contact them by call, text, or email and always tell them Kathy Kramer sent you!

Here is a link to a list of lenders by county in Ohio. 


Dave's email is 
Tony's email is 


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