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800-600-6326 | Ricardo Ramos

Ricardo Ramos

Branch Manager/Mortgage Consultant
Mortgage Consultant Picture
Contact Information
2938 B Hilltop Rd
Richmond, CA 94806
T: 800-600-6326
C: 510-501-5185
F: 510-262-9207
ricardo.ramos@phmc.com
NMLS ID #259643
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I provide a winning combination of excellent customer service, a love for numbers and mortgage lending experience. I have a passionate, financial mindset that has helped consumers finance their Northern California homes for over 30 years.

I specialize in first-time buyer programs, including FHA, ChDAP, HomePath financing, and FHA 203(k). We also have a specialized renovation department that serves our customers from initial application through the hammering of the last nail. Find out about the benefits of FHA and conventional renovation financing.

My staff and I grew up in bicultural, bilingual environments. Therefore, we rely on our deep knowledge of the Latin culture in every step of our customer service. We not only provide service in Spanish, if the client prefers, but we embrace and enjoy the cultural nuances within the Latino community.




Ricardo Ramos es un experto financiero con 30 años de experiencia en la industria de prestámos hipotecarios. El ha trabajado con miles de familias latinas en el área de la Bahía de San Francisco ayudándoles a conseguir el financiamiento de su primera casa y también de sus inversiones.




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Customer Reviews
  • Aug 19, 2017
    Source: Google
    Rating:
    Platinum Home Mortgage team is the best of the best, l got nothing but good things to say about Ricardo,Adriana,Sandy and the rest of the crew, true profesionals.
  • Aug 16, 2017
    Source: Google
    Rating:
    It was a pleasure to work with Team PHM. I've done a few of these transactions and this one was by far the smoothest and most flexible. The ladies are very professional and did their due diligence and tried their very best to meet my needs within the expected time frame. Their TEAM WORK is incredible! I'll come and see you Ladies and Don Ricardo for future needs!
  • Sep 16, 2016
    Source: Google
    Rating:
    I had an awesome experience with Don Ricardo/ Platinum Home Mortage Richmond Branch, we got pre-approved then search for a home, once we found it, Don Ricardo's team started to work right away to get the loan approval and get us the house at a very low interest rate on a FHA Loan. They will work with you on your budget and advise you accordingly to your situation so your loan approval goes smooth. We close our deal in less than the usual 45 days for FHA Loans, great team, very professional and efficient.
  • Apr 28, 2015
    Source: Google
    Rating:
    Felicitaciones a Ricardo y su gran equipo de trabajo!!!. Nuestra experiencia con Ricardo fue y sigue siendo excelente. Hoy dia somos unos grandes amigos de su familia. Muy profesionales durante el proceso de adquisicion de nuestra actual ...MoreFelicitaciones a Ricardo y su gran equipo de trabajo!!!. Nuestra experiencia con Ricardo fue y sigue siendo excelente. Hoy dia somos unos grandes amigos de su familia. Muy profesionales durante el proceso de adquisicion de nuestra actual vivienda, interes muy bajo y pagos ajustados a nuestro presupuesto. Un experto en la materia y sugiero sigan sus recomendaciones por que conoce el mercado muy bien. Gracias Ricardo !! Highly recommend Ricardo, if you are looking to investment or just purchasing your own house. A wealth of knowledge and expert in this matter. Knows the market and provides great guidance. Excellent team to work with! Congratulations!!
  • Apr 28, 2015
    Source: Google
    Rating:
    gracias platinum home mortgage y a don Ricardo y su fabuloso Equipo de trabajo por ayudarme a comprar mi casa estoy muy agradesido con su alluda real mente me respodieron todas mis preguntas y rresolbieron todas mis dudas todos los bancos ...Moregracias platinum home mortgage y a don Ricardo y su fabuloso Equipo de trabajo por ayudarme a comprar mi casa estoy muy agradesido con su alluda real mente me respodieron todas mis preguntas y rresolbieron todas mis dudas todos los bancos me abian cerrado las puertas gracias a platinum home mortgage por su alluda muy buen trabajo don Ricardo y su Equipo felicitaciones por su exelencia gracias
  • Apr 28, 2015
    Source: Google
    Rating:
    gracias a platinum home mortage y todo su equipo de trabajo fue possible la obtencion de nuestra casa , despues de muchos problemas personales entre ellos un divorcio. siendo honesto los bancos me cerraron las puertas pero gracias a dios ...Moregracias a platinum home mortage y todo su equipo de trabajo fue possible la obtencion de nuestra casa , despues de muchos problemas personales entre ellos un divorcio. siendo honesto los bancos me cerraron las puertas pero gracias a dios tuve la suerte de conocer a don ricardo ramos, un hombre que ademas de ser un gran professional me brindo su ayuda sincera dandome esperanzas y haciendome sentir como en familia. lo mismo puedo decir de la sra. hilda ramos y sandy ovalle que muy amablemente me atendieron durante todo el proceso ademas de janet, gracias a todos por sus finas atenciones y consejos.sin duda alguna el equipo de platinum no tiene comparacion. mis sinceros agradecimientos.
  • Apr 28, 2015
    Source: Google
    Rating:
    Ricardo Ramos and his team at Platinum Home Mortgage are excellent. They are very efficient and timely. They go out of their way to make sure their clients understand the whole process so they can feel confident in their decisions. I had a ...MoreRicardo Ramos and his team at Platinum Home Mortgage are excellent. They are very efficient and timely. They go out of their way to make sure their clients understand the whole process so they can feel confident in their decisions. I had a great experience because Ricardo's expertise gave me the knowledge needed to successfully obtain a mortgage loan. He works with you from start to finish and even afterwards making sure you are well prepared. Ricardo once told me that what made him happiest in his career was seeing his clients achieve their goals, and this stuck in my mind. I know he is truly passionate about his work and helping his clients and that makes all the difference. I will definitely work with him again and I absolutely recommend Ricardo Ramos and his team if you are looking to buy a property.
  • Apr 28, 2015
    Source: Google
    Rating:
    Ricardo is the type of Real Estate professional that not only helps you as a professional in this kind of business but also makes you feel that you have been advised by a friend or relative. His guidance when I need to make decisions about ...MoreRicardo is the type of Real Estate professional that not only helps you as a professional in this kind of business but also makes you feel that you have been advised by a friend or relative. His guidance when I need to make decisions about my primary residence and investment property has been very thorough and easy to understand. I certainly recommend Ricardo if you need any financial assistance for your primary or investment property. I am sure you will get the right answers and valuable guidance.
  • Apr 07, 2015
    Source: Google
    Rating:
    Ricardo and his team made buying our first home a very pleasant one. They were very attentive and went out and beyond to help us understand the process. They are all very knowledgeable and know how to get the job done. I highly recommend them to anyone looking for excellent service.
  • Mar 20, 2015
    Source: Google
    Rating:
    Ricardo Ramos and his team at Platinum Home Mortgage are excellent. They are very efficient and timely. They go out of their way to make sure their clients understand the whole process so they can feel confident in their decisions. I had a great experience because Ricardo's expertise gave me the knowledge needed to successfully obtain a mortgage loan. He works with you from start to finish and even afterwards making sure you are well prepared. Ricardo once told me that what made him happiest in his career was seeing his clients achieve their goals, and this stuck in my mind. I know he is truly passionate about his work and helping his clients and that makes all the difference. I will definitely work with him again and I absolutely recommend Ricardo Ramos and his team if you are looking to buy a property.
Platinum Home Mortgage - Ricardo Ramos
Rated 5/5 based on 14 reviews