Mortgage Broker · NMLS #2374415
JR Ramirez
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.
JR took an unusual route into brokering. He studied Finance and graduated from the University of Texas at San Antonio, then spent six years as a bank regulator for the Department of the Treasury, examining the institutions that write these loans rather than writing them.
After that he was Chief Risk Officer at a community bank, sitting on the loan committee and approving complex commercial transactions. That is the part clients feel: he has been on the other side of the table, so he knows which parts of a file an underwriter will question and which parts they will not, and he builds the file accordingly.
It makes him the person here for anything structurally awkward. Jumbo above the conforming limit, investment property, income that needs presenting rather than simply stating, or a file that has already been declined somewhere else.
Outside work JR mountain bikes on weekends and plays tournament paintball on Sunday mornings.
Direct
Send JR a message.
This form goes to JR and nobody else. No general inbox, no round robin, no chance of it landing with somebody who has to ask you everything again.
In a hurry? Call (714) 469-9577 directly, or run the qualifier first so JR has your numbers before calling back.
Other programs
Compare it against the alternatives.
Most borrowers fit more than one program. Which one is best depends on how long you will hold the loan, not only on what you qualify for today.
Not sure JR is the right person for your file?
Run the qualifier and it routes you to whoever on the team fits your situation best. That is the whole point of it.
August Mortgage Group, NMLS #2642110. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval and property appraisal.