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 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! "
Reviewed by Sean E, Baltimore, MD
"Ray was quick and effective. He answered all of our questions and walked us through a challenging settlement. "
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!"
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"
Reviewed by Keith B, Perry Hall, MD
"Very prompt and professional "
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."
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
Ready to get started or have any loan questions? Contact me at 410-387-4212 or firstname.lastname@example.org or submit the form below and I will call you.