Cesar Ramirez NMLS# 1648490

A 3% down payment can lead you to a place where every corner, every room, every brick is yours. Let's build your future!

Jumpstart your journey to homeownership. With 0% down purchase program, you can rev up your engine without the weight of an upfront down payment. Get started and accelerate into your new home!

I shop multiple lenders to find great rates and products for your needs, getting you to the closing table and into your dream home faster (usually 20 days or less) with wholesale interest rates — some of the lowest in the industry. Call today!

If you’ve built outstanding credit, you could be eligible for some of the lowest rates in the country! Give us a call today to learn more and to see if you qualify for our great rates.

This is The Way

The wholesale channel continues to prove that it’s the best place for a consumer to get a mortgage. A new study by Polygon Research shows that consumers save an average of $10,662 when they work with an independent mortgage broker instead of a retail lender. There isn’t a consumer in America that shouldn’t work with an independent mortgage broker, and it’s more important than ever for us to make sure consumers understand these unmatched benefits. Anyone looking to find a local mortgage broker should visit MortgageMatchup.com.

More details here: https://www.uwm.com/about-us/media-resources/press-releases/2024/august-28-2024/

Happy Thursday!

Another served customer and best of all, we closed their loan fast to help them achieve their goals. 🥳

Imagine falling in love with a house, only to find out you can’t afford it. Save yourself the heartbreak. Let me help you determine your budget and secure your pre-approval now!

First-time homebuyer? Get familiar with the term debt-to-income ratio (DTI). Your DTI is used by mortgage lenders to determine whether your loan application will be approved. Pro Tip: Aim for 50% DTI or less for the best options and rates.

Tired of high monthly mortgage payments? Ask me about current pricing for FHA and VA refinances. It could be a fast and easy way to lower your monthly payments. Call me!

Feeling like your mortgage is out of sync with your life? Let's get it back in rhythm with a refi. Call us to match your loan terms to your tempo.

Happy National Fortune Cookie Day! Reach out and let's make your fortune cookie prophecy come true.

Did you know that seller concessions can be used toward a temporary rate buydown? Partner with us to help your buyer lower their interest rate at the beginning of their loan for significant savings.

Your Loan-to-Value ratio (LTV) can influence your ability to qualify for certain loan programs. Lower LTV ratios are often seen as less risky, which can open up more favorable lending options. Let's discuss how managing your LTV can improve your borrowing power.

It’s National Workaholics Day and we’re celebrating our loan experts who go above and beyond to help make your dreams come true. Looking for a loan officer who is all in to get you a mortgage that closes fast? Give us a ring today!

Happy 4th of July! This Independence Day, why not declare your independence from your landlord? Let's start your journey to homeownership. Get in touch and let freedom ring!

We’ll search for the best rate with the lowest monthly payment — including those available through our exclusive programs. Call today to find out more!

Why pay rent when you could be the landlord? Stop contributing to your landlord's mortgage and start building your own equity. Let's turn your rent receipts into house keys!

Spring into action this season! Unlock your home's potential with a HELOC and turn your equity into a backyard oasis or that dream kitchen. Let's turn your dreams into reality!

Check homeownership off your big life goals to-do list with an FHA loan. This program's low down payment and relaxed credit score requirements can make it perfect for the first-time buyer! Learn more.

Struggling to save for a down payment? You can use gift money! It's a great way to get started on your homeownership journey. Contact me to set the course!

It feels great to get a healthy refund on your taxes. What feels even better? Putting it toward a home of your own! Call me today to talk about turning your windfall into a wise investment.

For the cost of a few months’ rent, you can start building equity as a homeowner. We specialize in FHA loans which only require a 3.5% down payment for those that qualify. DM us to learn more.

Space feeling tight? It might be time for an upgrade! DM us to see how much home you’d qualify for and start looking for a space big enough for your growing family!

Being a happy homeowner starts with a great homebuying experience. I specialize in helping people purchase homes and provide a wide range of options, including first-time homebuyer incentive programs. Call me if you're thinking about buying.

We're not kidding: A mortgage broker has more options and are experts who know your area. Contact me today and let's have a great conversation (honest!)

What's Your "Blended" Rate?

Feeling “locked-in” by your low existing mortgage rate? If you're carrying large, higher interest debt balances (credit cards or car loans), your "blended" rate may be much higher than you realize. You might even have the opportunity to buy a new home, consolidate your debt with a slightly larger loan, and end up with a lower monthly payment!

Existing Home Sales (February 2024)

Sales of existing homes reached their highest level in a year in February, jumping 9.5% from January. NAR’s Chief Economist, Lawrence Yun, noted that while growing supply was helping to satisfy demand, he added, "More supply is clearly needed to help stabilize home prices and get more Americans moving to their next residences."