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 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!"
Reviewed by Aron S, Indian Land, SC
"The constant communication and keeping us updated step by step."
Reviewed by Grace T, Manassas, VA
"Ray did a fantastic job helping me and my grand daughter buy our house."
Reviewed by Michael B, York Haven, PA
"Thank you Ray and Mandy. This refinance experience was absolutely amazing!!! Ray was very knowledgeable which made the whole process easy and stress free. I had to send in a couple standard documents for credit approval, get an appraisal, and done!! Mandy also did a great job. She made sure I completed everything correctly and answered all my questions. True professionals. Thank you"
Reviewed by Peter B, Baltimore, MD
"My experience was amazing. NFM was super easy to work with, and seemed to genuinely have my best interest in mind. Communication was quick and easy, response times were practically immediate. Highly Recommend!"
Reviewed by James H, Fredericksburg, VA
"Ray was the most patient and understanding person and handled a difficult situation. He’s the best. "
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