JR Ramirez
Mortgage Broker · NMLS #2374415
Six years as a federal bank regulator and a stint as a community bank Chief Risk Officer. JR reads your file the way the underwriter is going to read it.
Our team
Every inquiry is routed to a named person based on what you told the qualifier. Nobody works a shared inbox, and nobody hands your file to a processor you have never spoken to. Each of them has their own page, their own direct line and their own form.
Mortgage Broker · NMLS #2374415
Six years as a federal bank regulator and a stint as a community bank Chief Risk Officer. JR reads your file the way the underwriter is going to read it.
Loan Officer · NMLS #2808449
Cole thinks an informed buyer is a confident buyer, so he will not let you sign anything you cannot explain back to him.
Mortgage Broker · NMLS #1592085
A broker who is also a developer and a construction company founder. Diego can tell you what a property is really worth before a lender does.
How routing works
When you finish the qualifier, your answers decide who calls you. A first home, an FHA file or a down payment assistance program goes to Cole. Self employed income, an investment property or a short sale goes to Diego. Jumbo, and anything that has already been declined somewhere else, goes to JR. It is a rule, not a race, and it is why the person who calls already knows something about your situation.
If you would rather pick, every officer has a direct line and a form that reaches only them. And if you land with the wrong one, they will hand you to the right one rather than keep the file.
Either works. What does not work is a contact form that lands nowhere and a call back three days later.
August Mortgage Group, NMLS #2642110. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval and property appraisal.
