Ramiro Carlos Moreno
Ramiro Carlos Moreno

Ramiro Carlos Moreno

Loan Originator | NMLS# 82945 Apply Now Upload Docs Returning Applicant Contact


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.”




Oct 2018

Reviewed by Kenyatta C, Baltimore, MD

"My experience was Great! The initial contact was Great. I had missed the Live Baltimore event and when someone followed up with the relationship started there! Friendly, pleasant, responsive and supportive! Ray, Amanda and others really made this transition smooth. I felt that they really had my best interest at heart! Thanks bunches true pleasure! "


Oct 2018

Reviewed by William G, Crisfield, MD

"I had a contract on my home, but did not find a new home until after I had a closing date. It seemed like it would be next to impossible to coordinate the two settlements on the same day. I was faceing a high per day cost (furniture storage, motel and boarding dogs). Ray and the whole team, I felt, jumped thru hoops to make things happen in an efficient and timely manner. From our first conversation until the last document was signed my wife and I felt like VIP’s!"


Sep 2018

Reviewed by Carolyn C, Fairfield, PA

"Very helpful team, they went out of there way to accommodate my needs. Very nice people as well!"


Jul 2018

Reviewed by Neile A, Lititz, PA

"Great overall experience. Ray was very attentive and guided us through the entire process. "


Apr 2018

Reviewed by Jessica W, Baltimore, MD

"Very easy to talk to and very knowledgeable.Answered all my questions.Always able to reach if I had a problem.Thank you.Best experience for a first time home owner."


Apr 2018

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!"

Loan Tools

Here are some useful links to get you started in the loan process.


Top Mortgage Employer 2019

NFM Lending Named a Top Mortgage Employer

LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
Read more

Nicolas Alvarez

NFM Lending salutes Nicolas Alvarez

LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
Read more

Purchase a Home

6 Steps to Purchase a New Home

Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
Read more

Selling Home During Winter

Why Winter is a Good Time to Sell Your Home

If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
Read more

Contact Me

Ramiro Carlos Moreno

Ramiro Carlos Moreno

Loan Originator





1190 Winterson Road Suites, 130 & 180, Linthicum, MD 21090

Ready to get started or have any loan questions? Contact me at 410-387-4212 or rmoreno@nfmlending.com or submit the form below and I will call you.

Contact Me

  • This field is for validation purposes and should be left unchanged.