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.