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.”
Reviewed by Kenyatta C, Baltimore, MD
"My experience was Great! The initial contact was Great. I had missed the Live Baltimore event and when someone followed up with the relationship started there! Friendly, pleasant, responsive and supportive! Ray, Amanda and others really made this transition smooth. I felt that they really had my best interest at heart! Thanks bunches true pleasure! "
Reviewed by William G, Crisfield, MD
"I had a contract on my home, but did not find a new home until after I had a closing date. It seemed like it would be next to impossible to coordinate the two settlements on the same day. I was faceing a high per day cost (furniture storage, motel and boarding dogs). Ray and the whole team, I felt, jumped thru hoops to make things happen in an efficient and timely manner. From our first conversation until the last document was signed my wife and I felt like VIP’s!"
Reviewed by Carolyn C, Fairfield, PA
"Very helpful team, they went out of there way to accommodate my needs. Very nice people as well!"
Reviewed by Neile A, Lititz, PA
"Great overall experience. Ray was very attentive and guided us through the entire process. "
Reviewed by Jessica W, Baltimore, MD
"Very easy to talk to and very knowledgeable.Answered all my questions.Always able to reach if I had a problem.Thank you.Best experience for a first time home owner."
Reviewed by Daniel W, Severn, MD
"Ray went above and beyond to make sure we were well-informed of the entire process. His expertise and guidance throughout the home buying experience definitely made our lives easier!"
Here are some useful links to get you started in the loan process.
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.
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.
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.
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.
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.
Ramiro Carlos Moreno