Ramiro Carlos Moreno

Loan Originator | NMLS# 82945 Apply Now Upload Docs Returning Applicant Contact

About

Ramiro has been in the mortgage industry since 1993. He has been at NFM Lending for almost three years. Previously, he was a manager and an assistant manager. He specializes in originating loans and guideline knowledge. Ramiro comprehensively qualifies borrowers for a smoother process. He is licensed in MD, VA, DE, PA,DC,IL, NJ, and SC. Ramiro’s goal is to provide excellent customer service to every customer.

He has a loving wife, two beautiful girls, and one energetic son. Ramiro coaches basketball, baseball, and football for a local team. He is also a very involved community volunteer.

His favorite quote is: “Take care of the little things and the big things take care of themselves.”

Awards

Meet the Team

Timothy Edward Rhodes

Field Sales Manager | Loan Originator

p. 301-639-7411

f. 410-415-1811

e. trhodes@nfmlending.com

NMLS # 117250

Bruce Alan Dorsey

Mortgage Loan Originator

p. 410-387-4211

f. 410-415-1813

e. bdorsey@nfmlending.com

NMLS # 174898

Nia Rodney

Mortgage Loan Originator

p. 410-387-4368

f. 410-472-5475

e. nrodney@nfmlending.com

NMLS # 1473184

Thurman Lee Killen

Sales Manager / Loan Originator

p. 410-808-8046

e. thurmank@nfmlending.com

NMLS # 195805

Testimonials

5.0

Jun 2019

Reviewed by Edgardo L, Edgewood, MD

"If you're looking for a house, this is the guy that will make it happened, quick, fast, reliable, safe, trustworthy. This is the team that I recommend to my friends. "

5.0

Jun 2019

Reviewed by David S, York, PA

"Great team fast and pain free"

5.0

May 2019

Reviewed by Jeremy A, Arnold, MD

"Best experience I've had obtaining a mortgage by far. Everything was handled with a great deal of professionalism, care, and attention to detail. Throughout the process communication was handled proactively, and every time my wife and I had a question, we had an answer almost as soon as we asked. "

5.0

Apr 2019

Reviewed by Mindy A, Baltimore, MD

"Ray was always in communication with us not mater what time of day it was. If he wasn’t available he always reached out and let us know what was up. We developed a fun and professional relationship with him, and there are not enough ways to say how dedicated he is to helping people take the next step in their life journey. I would recommend him to everyone! "

5.0

Mar 2019

Reviewed by Matt P, Lewes, DE

"Wonderful communication "

5.0

Feb 2019

Reviewed by Joshua F, Baltimore, MD

"Ray was super helpful, never made me feel like I was bothering him. He was also extremely patient with me as I ended up having a very difficult time with processing one of my grants. "

Loan Tools

Here are some useful links to get you started in the loan process.

Mortgage Calculators

Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.

203(k) Program

Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.

Document Checklist

Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.

Mortgage Glossary

Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.

Ready to Refinance

Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.

Home Buyer's Checklist

When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.

Moving Checklist

Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.

Saving to Buy a Home

Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.

Blog

NFM Lending now offers Online Loan Application in Spanish

August 15, 2019

NFM Lending is proud to announce that as a part of our effort to better serve the Hispanic community, our online loan application is now offered in Spanish. All Mortgage Loan Originators websites now feature the option to complete the loan application in English or Spanish. Simply click on the Ap…
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What is Earnest Money?

August 8, 2019

If you’re ready to buy a home, you should prepare to have an earnest money deposit. This can be an extremely important part of the homebuying process as it essentially lets a home seller know how serious you are as a buyer. So, what is earnest money? An earnest money deposit, otherwise known as…
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NFM Lending salutes Reno Truant

August 1, 2019

LINTHICUM, MD, August 1, 2019— NFM Lending is pleased to honor Reno Truant as the NFM Salute for August 2019. Reno attended the Henry Ford Trade School in Dearborn, Michigan from 1939 to 1942. At the age of 17, he felt a calling to serve his country and asked his parents to sign a release to al…
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NFM Lending opens new branch in Sunrise, FL

July 29, 2019

LINTHICUM, MD, July 29, 2019 — NFM Lending is pleased to announce the opening of a new branch in North Miami, Florida. The branch is located at 999 NE 125th Street, North Miami, FL 33161, and will be led by Branch Manager, Christian Mourra. The NFM Lending branch will focus its lending platform…
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