Ramiro Carlos Moreno
Ramiro Carlos Moreno

Ramiro Carlos Moreno

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


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.”

My Videos




Sep 2020

Reviewed by Margaret W

"I recently worked with Ray on a refinance and it was fantastic experience. He is exceptionally knowledgeable about all facets of the industry and the loan process. I asked a lot of questions and he promptly answered them very clearly and patiently, even taking calls and texts after work hours and on weekends. I couldn’t be happier with his friendliness and professionalism. I highly recommend Ray and his team! "


Sep 2020

Reviewed by Sean E, Baltimore, MD

"Ray was quick and effective. He answered all of our questions and walked us through a challenging settlement. "


Sep 2020

Reviewed by Katherine F, Baltimore, MD

"We originally used a different lender and when we realized that lender was not going to work out, our realtor recommended Ray. Throughout the process he was communicative, on top of everything, and incredibly helpful. We could not have asked for a better second experience. Thank you for all of your help!"


Sep 2020

Reviewed by Bradley D, Hanover, PA

"Ray was great. He talked me through all the steps, explained my options, and was great with the communication"


Jul 2020

Reviewed by Keith B, Perry Hall, MD

"Very prompt and professional "


May 2020

Reviewed by William E, Upper Marlboro, MD

"Ray could not have been more helpful. As a result of unusual circumstances I needed a mortgage. I had no credit history or credit score. Ray advised me how to establish credit quickly. I took his advice and within six months my middle credit score was about 712. This enabled me to get approved for a mortgage. Ray also makes himself available to give advice. Even way after business hours. I would refer him enthusiastically to anyone seeking a mortgage. Amanda Hargrove was also very helpful."

Loan Tools

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


New NFM Brand

NFM Lending is getting a new look!

NFM Lending will soon have a new logo and website. These changes to our brand reflect two of our core values: to remain innovative and forward-thinking. While our brand is evolving, everything else will remain the same: our people and our commitment to providing our customers and business partner…
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Homebuying and Selling

Benefits of Homebuying and Selling in the Fall

Fall usually makes you think of colorful foliage, warm, spiced drinks, and carving pumpkins, but what about buying and selling a home? Fall isn’t traditionally a popular time for the real estate market, but that’s exactly why it can be your secret weapon. Here are some of the benefits of home…
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Credit Score

How Important is Credit Score When Buying a Home?

Mortgage lenders look at many factors when determining your loan eligibility and rate, including your credit score. You may understand the importance of having a good credit score, but just how important is credit score when buying a home? Here are some of the factors lenders are taking into cons…
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Ray Cash Care

NFM Lending salutes Ray “Cash” Care

LINTHICUM, MD, September 1, 2020— NFM Lending is pleased to honor retired Navy SEAL, Ray “Cash” Care, as the NFM Salute for September­­ 2020. Care is no stranger to adversity; it is a force that has shaped him his entire life. When Care was just eleven years old, his father was murdered. …
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Contact Me

Ramiro Carlos Moreno

Ramiro Carlos Moreno

Loan Originator





1190 Winterson Road Suites, 130 & 180, Linthicum, MD 21090

Ready to get started or have any loan questions? Contact me at 410-387-4212 or rmoreno@nfmlending.com or submit the form below and I will call you.

Contact Me

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