Ricardo Ramos

Ricardo Ramos

Branch Manager/Mortgage Consultant
NMLS ID 259643


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.

Contact Info

Cell Phone 510-501-5185
Fax 510-262-9207

Follow Me

To navigate through the Mortgage Wizard, use the tab key to go through the previous and next sections. Use the arrow keys to navigate through content of a region.

Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
Start now

Customer Reviews

  • {{ item.comments }}
    {{ item.reviewer.firstName }} {{ item.reviewer.lastName ? ( item.reviewer.lastName.length > 1 ? item.reviewer.lastName[0] : item.reviewer.lastName ) + '.' : '' }} {{ item.reviewDate }}

Uh oh! Reviews are not available right now. Please try again later.