Ramiro Carlos Moreno

"Ray is very knowledgeable, personable, and very responsive. Ray and his team really eases the lending process and explains things throughly. It doesn’t matter if you are a new home buyer or looking to refinance they seem to meet the person right we’re they are. They are not pushy very welcoming and warm easing the entire process. I love working with Ray and his team!"

"Ramiro & his team were great! We were 100% satisfied with all the help they gave us. But we did have issues with the appraisers not doing their job in a timely manner."

"I never refinanced a mortgage before, so I was hesitant to do so. After discussing my options with Ramiro Moreno, he put me at ease & gained my trust and confidence the first time we spoke. Ray is exceptional! He educated me on the process & options before we began, coached me on the next steps and consistently provided me updates on the process. Everything he said was going to happen, DID, just as he explained! If you need a loan, talk to Ray! Him & his team have exceeded my expectations!"

"Ramiro is very good at explaining the loan process. He is knowledgeable and I completely trust him. We talked a couple years ago about a refinance but the rates were not low enough for it to be a good financial move for me. He let me know and we waited until now. I'm so glad I waited because I was able to save $200 a month and went to a 15 year loan. Now I'm on track for retirement. He is looking out for my best interests. The loan processor and settlement agent also did a great job. "

"Ray will ALWAYS go above and beyond, especially for his long term clients. He does this so often I (as the client) have to remind him that he doesn’t have to respond to be when not during normal business hours:). He’s truly wonderful and so long as he is still doing this we will never work with anyone else. You are awesome, Ray! Keep shining!!"

"As always such a pleasure working with Ray and NFM lending. They reached out to me noting the significant cost savings if I were to refinance around the same time I was thinking about taking advantage of the low interest rates. The refinance was so painless thanks to NFM's processes and expertise."

"It was great working with Ray and his team on my first home purchase. They helped stay in touch and keep everything on track to reach a smooth and successful settlement. Ray helped me secure a great rate and I couldn't be more grateful for their hard work."

"Everyone was efficient and professional. They are very knowledgeable. "

"We had been wanting to move and I was hesitant and worried about the lending process and a friend referred me to Ray Moreno saying she had a wonderful experience and urged me to call him to discuss my options. From day one, he was easy to talk to, honest and basically held our hands through the process. He made himself available to us via call, text and email to answer my million questions and to put my worried mind at ease! I highly recommend Mr. Moreno and his team! "

"Communication was excellent! Questions were always answered with detailed explanations and or instructions. Overall, a very professional team that handled our processing with care and precision "