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 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."
Reviewed by Michael V, Baltimore, MD
"Everything went great and as planned! Even got to close a week early. "
Reviewed by Kenyatta C, Baltimore, MD
"My experience with Ray, Stephaine and others from the team has been Great. Just as my experience was the first time in 2018! I feel like apart of a family when working with them. Love you guys"
Reviewed by Cindee S, Frederick, MD
"Ray was wonderful to work with. He explained all of the processes for the loan thoroughly and did not hesitate to review them with me again if I asked. He was very patient with me. The home buying experience for me was prolonged and Ray never once expressed exasperation or made me feel pressured or rushed to make a decision. He continued to be supportive for almost a year and went above and beyond in making me feel comfortable. I appreciated his advice, guidance, and support. "
Reviewed by Daniel W, Severn, MD
Reviewed by Carolyn D, Baltimore, MD
"This is an excellent company to do business with hassle free. They request information needed from you in a timely fashion. It's staff was on top of it's game to get the job done. I rate Dan Moreno a 10 star with his knowledge and expertise. "
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 email@example.com or submit the form below and I will call you.