Experience a transparent and hassle-free mortgage process
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About Us
Meet Tom Ramirez
Tom Ramirez is a trusted and experienced Regional Sales Manager at Elite Mortgage Pros, known for his client-focused approach and deep understanding of the lending landscape. With a strong reputation for guiding homebuyers and homeowners through the mortgage process with ease and professionalism, Tom is a go-to resource for anyone looking to finance a home with confidence.
He specializes in a wide range of loan programs to meet diverse client needs, including:
- FHA Loans – Ideal for first-time homebuyers
- Conventional Loans – Competitive terms for qualified borrowers
- VA Loans – Exclusive benefits for veterans and active military
- ITIN Loans – Financing solutions for clients without a Social Security number
- CalHFA & Down Payment Assistance Programs – Helping California buyers access the support they need
- HELOCs – Flexible financing options using home equity
- Non-QM – Flexible loans for self-employed or non-traditional borrowers using alternative documentation
What sets Tom apart is his ability to simplify the lending process, educate his clients every step of the way, and ensure their best interests are protected. Whether someone is purchasing their first home, refinancing, or tapping into equity for future plans, Tom’s commitment to clear communication and tailored solutions makes all the difference.
Real estate agents and clients alike value Tom’s reliability, professionalism, and results-driven service. He’s not just focused on closing loans—he’s focused on building long-term relationships.
39+
Years In Business
$100,000,000+
In Funded Loans
500+
Happy Clients
Flexible Funding Solutions To Help You Get The Best Rates With The Fastest Closing Times
Direct Relationship
Work directly with Tom and his team. With more than a decade of experience, Tom demonstrates a high level of experience, proficiency, and customer service.
Strategic Plans
With many types of loans (FHA, Conventional, VA, ITIN Loans, CalHFA / Down Payment Assistance Programs, HELOC) we strategically match the best loan for your situation.
Flexible Funding
Embrace financial freedom with the various funding options designed to fit your unique needs. Tom Ramirez specializes in a myriad of loan-types.
Fast Closing
With personal 1-on-1 attention, Tom and his team are committed to unlocking opportunities and making dreams of home ownership a reality.
Get In Touch!
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Looking To Buy A Home?
Buying your first home is considered one of the biggest milestones — in life as well as finances. It’s a big commitment, and there’s a good chance this will be the largest purchase you’ve made to date.
As you prepare, here are the steps to follow as you purchase your first home.
Refinancing? We Can Help!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you’re looking for cash out, or to just get a better rate and term, we can assist you.
Offering these Loans Types
FHA Loans
Government-backed loans with low down payments and flexible credit requirements.
Conventional Loans
Standard home loans offering competitive rates for qualified borrowers.
VA Loans
Zero-down loans with exclusive benefits for veterans and active-duty military.
CalHFA & Down Payment Assistance
State-backed programs to help California buyers cover upfront costs.
ITIN Loans
Home financing options for borrowers without a Social Security number.
HELOCs
Revolving credit lines that let homeowners borrow against their equity.
Non-QM Loans
Flexible loans for self-employed or non-traditional borrowers using alternative documentation. (Bank Statement Loans, P&L Loans, DSCR Loans)
Client Success
Hear What Our Clients Have To Say
Unlock Your Path to Homeownership with Tom Ramirez – Trusted Mortgage Expert
Looking to secure the right mortgage and make your dream of homeownership a reality? Tom Ramirez is here to help! With personalized service and expert guidance, Tom makes it easier than ever to find the perfect loan for your financial goals.
As a seasoned mortgage professional, Tom works with a wide network of top lenders to bring you competitive rates and flexible loan options—including conventional, FHA, VA, and jumbo loans. Whether you're a first-time homebuyer, upgrading to your next home, or refinancing for better terms, Tom is dedicated to finding the best mortgage solution for your unique situation.
Tom Ramirez understands that the mortgage process can feel overwhelming, which is why he’s committed to making it smooth, stress-free, and fully transparent. From pre-approval to closing, Tom will be by your side to answer questions and keep you informed every step of the way.
Don’t let financing stand between you and your future home. Contact Tom Ramirez today to explore your options and get started with a mortgage plan built just for you.
