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.”




Apr 2019

Reviewed by Mindy A, Baltimore, MD

"Ray was always in communication with us not mater what time of day it was. If he wasn’t available he always reached out and let us know what was up. We developed a fun and professional relationship with him, and there are not enough ways to say how dedicated he is to helping people take the next step in their life journey. I would recommend him to everyone! "


Mar 2019

Reviewed by Matt P, Lewes, DE

"Wonderful communication "


Feb 2019

Reviewed by Joshua F, Baltimore, MD

"Ray was super helpful, never made me feel like I was bothering him. He was also extremely patient with me as I ended up having a very difficult time with processing one of my grants. "


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!"

Loan Tools

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


Jane Floyd Top 100 Originator

Jane Floyd of NFM Lending Earns Top Originator Recognition

LINTHICUM, MD, April 19, 2019— NFM Lending is proud to announce that Jane Floyd, Branch Manager out of Tampa, FL, has been recognized as a Top 100 Originator for 2019 by National Association of Minority Mortgage Bankers of America (NAMMBA). NAMMBA is a national trade association dedicated to th…
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50 Best Companies to Work For 2018

NFM Lending Named One of 50 Best Companies to Work For

LINTHICUM, MD, April 16, 2019 — NFM Lending is proud to announce it was ranked as one of the 50 Best Companies to Work For by Mortgage Executive Magazine. This is the fifth time NFM Lending has been honored with this accolade. Mortgage Executive Magazine conducted an extensive online survey of …
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Top Originators 2018

NFM Lending Loan Originators named among Scotsman Guide’s Top Originators 2018

LINTHICUM, MD, April 11, 2019 — NFM Lending is proud to announce three of its loan originators, Jane Floyd, Daniel Sa, and Jessica Uphoff, have been ranked on the Scotsman Guide’s Top Originators 2018 lists. Each year, Scotsman Guide recognizes the nation’s top producing mortgage loan origi…
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Government Loan Programs

Quiz: Government Loan Programs

if (window.qmn_quiz_data === undefined) { window.qmn_quiz_data = new Object(); } How Well Do You Know Government Loan Programs? Think you know the government loan programs? See how many of the questions below you can answer! Which loan considers area requirements, such as the population and development? FHA VA USDAWhich loan is most popular with low-income and first-time home buyers, due to the less stringent requirements? FHA VA USDATrue or False: USDA loans don’t require a minimum down payment. True FalseWhich program was introduced by the Servicemen’s Readjustment Act? FHA VA USDAWhich loan can borrowers receive up to 100% financing? USDA VA FHAWhich loan requires the borrower to pay Mortgage Insurance Premium (MIP) or Guaranty Fee in addition to monthly mortgage payments? FHA VA USDATrue or False: The surviving unmarried spouse of a deceased Veteran is not eligible for a VA loan. True FalseWhich loan allows for down payment assistance provided as a gift by a family member, employer, or charitable organization? FHA VA USDAWhat might a VA loan require the borrower to pay to reduce the cost of the loan to taxpayers? Private Mortgage Insurace Funding Fee NeitherTrue or False: Home buyers who do not qualify for a conventional mortgage Read More...
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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

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