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 James H, Fredericksburg, VA
"Ray was the most patient and understanding person and handled a difficult situation. He’s the best. "
Reviewed by Douglas G, Sykesville, MD
"Great experience. All question and concerns were quickly answered. "
Reviewed by Sharrief M, Crofton, MD
"My experience with Ray was indescribable. His efforts to get me through this process was above and beyond my expectations!!! He is knowledgeable, smart, personable, and available at all times. He worked with me an entire year before we found a house helping me makr the right decision about credit and purchases. I always felt like he was fighting on my behalf. I have already started referring friends and family to Ray because he “gets it done”!!! "
Reviewed by Walter B, Clinton, MD
"Our experience was great. Ray always return our call. We received e-mails. He kept us informed.He is very trusworthy. What He said would happen did happen. "
Reviewed by Justin E, Annapolis, MD
"He made everything super easy"
Reviewed by Lynn B, Randallstown, MD
"I was well aware and informed of what was going on "
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