Pablo Ramirez

Whether you're looking for a long term investment or your new dream home, this amazing 2/2 is the perfect choice for you! The current tenants are locked int...o a 1 yr lease approximately 10 months remaining, depending on close/sold date. Contact me at (323) 337-2168 for more information! Highlights Include: Tile Flooring in the Kitchen Newer Stainless Steel Appliances Granite Countertops RV Parking Patio Deck Spacious Back Yard Local Schools Within Walking Distance

If one of your new year’s resolutions is to own your own home, there’s no time like the present. Take the first step by messaging me we’ll walk through your goals, credit and income to land on a price range you can afford.

Dreaming of bringing back dinner parties and neighborhood gatherings in 2021? With interest rates this low, you could afford that bigger place with the space for all that and more.

Thinking about a new beginning away from the city? Call to see if you’re eligible for a USDA loan. It could be your chance to get the space and privacy you want with no down payment.

Whether you're looking for a long term investment or your new dream home, this amazing 2/2 is the perfect choice for you! The current tenants are locked int...o a 1 yr lease approximately 10 months remaining, depending on close/sold date. Contact me at (323) 337-2168 for more information! Highlights Include: Tile Flooring in the Kitchen Newer Stainless Steel Appliances Granite Countertops RV Parking Patio Deck Spacious Back Yard Local Schools Within Walking Distance

Allow us to clear something up: you can have a low down payment AND a low rate. Call to see if an FHA loan is the right fit for your mortgage needs.

Looking to free up money for a home renovation project? A refinance could be your ticket to a lower monthly payment that would give you the cash you need. DM to learn more.

Success can’t be guaranteed, but we stand a much better chance of achieving our goals when we follow an organized checklist. If you’ve been waiting to check ‘homeownership’ off your list, I’ll make the mortgage process easy, and help you close fast. Call today!

There are plenty of good reasons to refinance your mortgage like reducing your interest rate or lowering your monthly payment to name a few but how do you know when the time is right? There’s only one way to find out. Call me to get started!

If you’re looking to lower your current rate, consolidate debts or obtain cash from your equity, it may be a good time to refinance. Call me today to discuss your options!

Things in the mortgage world can change fast, so when rates are low you’ve got to move quick. Partnering with a mortgage broker like me makes the 14-day close a reality. Call me to see how I do it!

One surefire way to lower your debt-to-income (DTI) ratio is to pay off credit card debt, car loans, or other loans. A lower debt-to-income ratio will improve your financial health, and your mortgage loan approval odds.

No matter your goal, consulting a mentor is a great way to avoid the rookie mistakes. When it comes to your mortgage, there’s no better person to fill that role than a mortgage broker (like me)! We use our expertise to help homebuyers save money and time. Reach out today!

Your credit score is one of the major factors in your loan’s approval, and your mortgage rate. Quick fixes like disputing errors on your credit report, or paying off an overdue balance, can raise your score and increase your approval odds.

Anticipating a big expense soon? Whether it’s a home renovation or a much-needed vacation, tapping into your home’s equity through refinancing could alleviate the burden on your bank account. Don’t know how much equity you have? Call today, I’ll help you find out!

Planning to start a family soon? Securing the extra space now could save you lots of stress later. If you’re ready to set roots, reach out! I’ll make the home buying process easy.

Why are mortgage brokers better? We know the ins and outs of the best home loans available, not just the best our company offers. With more options to choose from, we’re sure to find one that fits. DM me to discuss your options.

Balancing house-hunting with home-schooling? Now you can finish your mortgage app before your kids finish their lunch. Message me to learn more.

Ready to recalculate your mortgage payment? Now could be a great time to do it! I’ll work with multiple lenders to find the best refinancing options and help you seize your opportunity to save. DM me to learn more.

The best part of being a mortgage broker is busting myths for first-time buyers. When they realize they can get a low payment without 20% down all the nerves melt away. If you’re ready to buy your first home, give me a call. I’ll take the time to guide you through it.

Before you apply for a mortgage, it’s helpful to understand what lenders will need to qualify you for a loan. Expect to provide a month of recent pay stubs, your most recent two years of tax returns, and several months of bank account statements.

Conventional loans are offered through private lenders and aren’t backed by a government institution (like FHA or VA loans). Have excellent credit? You could net a lower interest rate than what’s typically offered for government-insured loans. DM to learn more!