Team Kramer

As your local Caliber Home Loans representatives, we are dedicated to providing superior service and personal expert guidance throughout the home financing process.
Team Kramer
Josh Kramer NMLS#: 1171498, Angelina Miller NMLS#: 1432059, Michal Koncar NMLS#: 226309, Chantal Tom NMLS#: 309742,

Team Kramer

45 West 10000 South, Suite 315
Sandy, UT 84070

Meet The Team

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Caliber Home Loans App

Experience a new way to manage your home loan - from the palm of your hand! Check on the status of your mortgage application, make a mortgage payment, and more.

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Upload Documents

You may be asked to submit additional documents during processing of your loan application. But it doesn't have to be a hassle - you can upload them now on our website.

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Estimate Your Monthly Payment

Want to know how much home you can afford? Use our monthly payment calculator to see homebuying expenses for several loan options.

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About Team Kramer

The  Kramer Branch Team at Caliber Home Loans, Inc. is committed to providing innovative financing options at competitive rates to homebuyers and homeowners in Utah.

Since 2014, we've worked together to build lasting careers on a foundation of helping more borrowers realize their dreams of home ownership.

We're all equally dedicated to providing high levels of customer service to our borrowers. This translates into accurate communications, carefully explaining the pros and cons of different financing options, and being some of the most educated Loan Consultants in the industry.

One or more of our team are always available to answer your questions and assist with your home financing needs. Let the Kramer Branch guide you home!

Mortgage Calculator

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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.

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Additional Information

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The results displayed above are only estimates and cannot be used to determine actual loan cost or be used as a guarantee. Please consult your loan consultant for an official estimate.

Contact Team Kramer

NMLS#: 1171498
Office: 801-542-9311
Mobile: 801-502-9449
Email: sandyut@caliberhomeloans.com
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