Ramiro Carlos Moreno

"As always such a pleasure working with Ray and NFM lending. They reached out to me noting the significant cost savings if I were to refinance around the same time I was thinking about taking advantage of the low interest rates. The refinance was so painless thanks to NFM's processes and expertise."

"It was great working with Ray and his team on my first home purchase. They helped stay in touch and keep everything on track to reach a smooth and successful settlement. Ray helped me secure a great rate and I couldn't be more grateful for their hard work."

"Everyone was efficient and professional. They are very knowledgeable. "

"We had been wanting to move and I was hesitant and worried about the lending process and a friend referred me to Ray Moreno saying she had a wonderful experience and urged me to call him to discuss my options. From day one, he was easy to talk to, honest and basically held our hands through the process. He made himself available to us via call, text and email to answer my million questions and to put my worried mind at ease! I highly recommend Mr. Moreno and his team! "

"Communication was excellent! Questions were always answered with detailed explanations and or instructions. Overall, a very professional team that handled our processing with care and precision "

"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! "

"Ray was quick and effective. He answered all of our questions and walked us through a challenging settlement. "

"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!"

"Ray was great. He talked me through all the steps, explained my options, and was great with the communication"

"Very prompt and professional "

"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."

"Everything went great and as planned! Even got to close a week early. "

"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"

"Ramiro was very attentive, available, and did a great job explaining my options to me. "

"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. "

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"I always had so many questions and Ray seemed to be the only one who would take the time to slowly explain it to me until I fully understood what I was asking about, unlike some others who seem to just want to rush you threw it and not explain crap, and leave you confused! "

"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. "