Cal BRE #01198187/NMLS 114502



Who Is
Kathleen Kramer
and why you should listen to her

In her 21+ years as a licensed Real Estate Broker and Mortgage Originator, Kathleen Kramer has closed over 2500 transactions for more than a $1 billion in volume. She and her husband, Michael, have personally invested in a variety of real estate backed investments including SFR, Multi-Family, Commercial Office, Land and Distressed Debt in several states growing an initial investment of $50,000 to over seven figures.

Kathleen is a regular speaker at the Orange County Real Estate Investor Association, providing economic and local Real Estate market updates. She enjoys teaching classes on due diligence and coaching her clients on moving up from single family to multi-family investing. She also offers a complementary real estate portfolio review and assists her clients with maximizing the returns they receive.

Orange County Association of Realtors
January 2000 to Present

Volunteer Experience
WHW (Women Helping Women/Men2Work)
Board Member
1997 - 2000

Girl Scouts of Orange County Troop Leader
2014 - Present

CMPS Institute Certified Mortgage Planner
October 2005

October 2013 - Present
JMJ Financial
Senior Loan Officer
JMJ Financial is a CA BRE and Dept. of Business Oversight Licensed Privately Owned Mortgage Banker and Broker. Residential and Commercial Lending in CA and HI.
CFL #603F427, BRE #01134087, NMLS #167867

January 2013 - October 2013
RPM Mortgage Inc.
Senior Loan Officer
RPM Mortgage, Inc. is a DRE Licensed California Privately Owned Mortgage Bank and Broker
2012 Closings topped 4 Billion. Residential and Commercial Lending see my website for States where we are licensed.

2005 - January 2013
Firstline Mortgage, Inc.
Residential and Commercial Mortgage
Firstline Mortgage is a DRE Licensed California Mortgage Banker/Broker since 1985.
NMLS #1868