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.