Five Star Logo
Orange County Five Star award winner


Joe Kramer

Senior Loan Officer
Sierra Pacific Mortgage
20 Corporate Park Ste 260
Irvine, CA 92606
Office: 714-396-1338
Cell: 949-870-4010

My name is Joe Kramer and I have been a Mortgage Banker in Orange County since 1991. I have closed over 3,000 loans in my career. This experience has allowed me to provide a trouble free process for my clients in the ever changing mortgage environment. I strongly feel the Mortgage Industry is not about Loans & Real Estate. It is about building and maintaining relationships. My goal is to be your Lender for life. I value all my Relationships. My top priority during the loan process is to exceed your expectations so, you will want to refer me to your friends and family. My specialty is what I like to call, Mortgage Planning. This is simply determining your future Goals & Dreams and giving you a plan to accomplish those Dreams. Your Dream may be to own a home on the beach, acquire investment property, or purchase your first property. I am here to help you with all of your dreams!


Five Star Professional conducts market-specific research throughout the U.S. to identify service professionals who demonstrate professional excellence and provide quality services to their clients. The Five Star Mortgage Professional program is the largest and most widely published award program for mortgage professionals in North America, covering more than 40 major markets. Five Star award winners do not pay a fee to be included in the research or on the final list of award winners.

The Five Star Professional research team contacted thousands of recent homebuyers, consumers and industry leaders to identify Orange County-area mortgage professionals who stand out in their industry and community.

To learn more about the research methodology, click here.

Click to access BrokerCheck

Sierra Pacific Mortgage Services, Inc., Licensed in Arizona under License No. 0905006. Licensed in California by the Department of Business Oversight under the Residential Mortgage Lending Act 417-0015. Regulated in Colorado by the Division of Real Estate 1788 and Supervised Lender License 988320. Not Licensed in the State of New York.

*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.