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David Ramirez

Trusted Mortgage Advisor USA Financial Consultants NMLS 1327714
By referral only: I provide my clients with world-class service. As a result, referrals have become the life-blood of my business. Rather than spend precious time away from my client's needs looking for new business, I devote 100% of my time to my client's needs. In return, I ask for them to share their experience in working with me with all of those who they care about and to let me know who I can help, too.
Pinned Recommendation
Sales Development
I had an outstanding experience working with David. From beginning to end, his professionalism, expertise, and friendly demeanor stood out.

Over the 6+ months we were working together, David was patient with me and took the time to explain (multiple times) the intricacies of the mortgage process, ensuring I fully understood each aspect.

Additionally, David was friendly and approachable creating a comfortable environment for communication.

David’s guidance was invaluable, making me confident in my decisions. Overall, I highly recommend David to anyone looking for a positive home financing experience!
This is the best company to work with. They are very professional and responsive and will exceed all your expectations.
Homeowner
A friend recommended David after we had a rough experience with another lender/realtor. We are SO glad we did! From the beginning we connected with David and felt comfortable working with him. He answered all of my questions and was patient with me when I didn’t understand certain things. He took the time to explain things over and over. David is really passionate about what he does, this isn’t just business for him, he took our story and dream of owning a home and made it his! Buying a home for the first time can be scary and stressful, but David and his team were there every step of the way, making sure to keep the most money in our pockets, handing everything, and doing his best to keep me at ease. We appreciate all they did!
Working with David and his team was a great experience. David really took the time to bounce around ideas and help us plan through different scenarios and outcomes. My occupation could demand a lot of my time and David always made himself available to talk through ideas on my car ride home. He and his teammate Cheryl are very thorough and the team you would want in your corner when making a life adjusting decision.
Realtor
Super fast and very responsive loan officer. Delivered sooner than promised. Highly recommended!!!

I am the listing agent for David’s client. He reached out to me to ensure that we have proper communication. We closed escrow less than 10 days. OMG!!! He is super fast!!! He under promised but over delivered. This is a loan officer you want to work with!!!
David is amazing
Knowledgeable and efficient
Physician Assistant
David was an expert when it came to understanding our particular situation and helped us navigate the sometimes complicated journey to becoming homeowners. We were able to find a home and close quickly! He went above and beyond his duties to help to explain everything and helped us with our dream of home ownership! I highly recommend him!!
Transaction Coordinator
I had the pleasure of working with David on a recent transaction, and I must say that my experience was nothing short of exceptional. From start to finish, David demonstrated a level of professionalism, communication, and efficiency that truly set them apart.
Nurse practitioner
David has been such a knowledgable, supportive and trustworthy broker that I will definitely be using him in my future endeavors. He took his time (over an hour) to explain to me my options as far as a refi vs heloc on my current home which was purchased under specific provisions - that if I were to refi today would end up costing me tens of thousands in penalties/fees. Even once he knew that we wouldn’t be able to get the deal done now, he still took his (very valuable) time to give advice on how to improve my credit score so that I am in a more favorable position with better rates available once I can refi and not be penalized. I am forever grateful to his kindness and guidance and I highly recommend him to anyone in the process or purchasing or refinancing a home.
David and his team communicated well and were on top of the process from to start to finish. In a competitive market, having a team I trust made a huge difference and helped me get my offer accepted and close escrow within 15 days!! 10/10 recommended ??

Realtor @ Whissel Realty
Just closed a sale with David and his team. He was able to make the numbers work for my buyers when two other lenders couldn’t.

My client, being self-employed, required a more complex pre approval process. I was able to put it all in David’s competent hands and we closed with no issue.

So happy for my clients. They got their dream home and I was able to help one more deserving family buy and sell. Cheers!
Home buyer
David and his team are the BEST in the industry, we all know how hard things can be already in San Diego but David made sure to keep me updated every step of the way and made it easy to comprehend the different opportunities we had as options. David, I will always be grateful for your assistance and kindness and I will be recommending you out to all my friends and family! Thank you once again!!
Home buyer
David and his team are the BEST in the industry, we all know how hard things can be already in San Diego but David made sure to keep me updated every step of the way and made it easy to comprehend the different opportunities we had as options. David, I will always be grateful for your assistance and kindness and I will be recommending you out to all my friends and family! Thank you once again!!
Field Supervisor
I’ve been working with David Ramírez since 2018 and I can tell you that there’s no one else I trust when it comes to refinancing or purchasing a new home. His experienced team make everything so streamlined and because of the trust in him, I decided to purchase three homes in the last 5 years. Thank you David for all that you’ve done for me.
VP Sales and Marketing
For a long time, I was looking for the right Broker to help me get a loan to buy a home .
I was referred to David Ramirez . When I met David , and explain my personal situation , he right away made me fill , there was hope In purchasing a home. . No one ever explain to me that there are different options and opportunities. His confidence and true humbleness capture me . I worked with Davids team and was surprise how profesional they all worked with me . I felt like they were family to me . In a few months , I was in my home , situated with my 3 children . What a blessing to find people like David and his team to help one find there dream home .
Thank you David .??
Realtor
Working with David was amazing! We had a smooth Escrow and he was really active throughout the whole process. Great customer service to the agents involved and his clients. If you need a lender that will get the job done he’s the man. Highly recommended if you’re looking to buy your new home ??
Working with David and his team was great! Super responsive and in communication - quick and easy! Highly recommend!!
Financial Controller
We came to David after having just recently opened a new business, recently repaired credit, new baby and a world of other situations.
David dove right in looking for that right situation to make our dream home purchase a reality. He didn’t stop until he found the right formula for our situation and even then, it wasn’t going to be smooth sailing.
Sure enough everything that could go wrong with property value did, but that was not going to stop David and his amazing team. They found solutions and fast!!!
We will always rave about David, not only is he professional but he loves what he does. Thank you a million times over. Looking forward to purchasing our next investment property with you…
Senior Broker
David is amazing at how he always brings value
David was recommended to me by a close friend. as a first time home buyer, I had many questions. David and his team took the time to guide me through the process, explain all the details and keep it high level where beneficial. David ran me through all my options and consulted me on short and long term goals.
David communicated with my agent and the escrow company to make the process smoother. And pro-actively warned me about traps, such as scams trying to divert payments to fraudulent accounts.
I highly recommend David and his team!
Realtor
I worked with David as a listing agent. Throughout the entire transaction, he kept me updated and had great communication skills. He truly has his clients best interests at heart.
Owner/Partner
Great Communication.
Wow is all I can say! David is not only THE BEST in the industry, but by far, the most caring. He genuinely loves and treats each client like a family member and puts them first, even above himself. To call that a rarity in this industry is an understatement. He is truly a gem & will go above and beyond to advocate for his client’s BEST. Not to mention, he comes with a great team. Marla was the best loan officer I’ve worked with and truly organized the chaos and mayhem of the underwriting process to where I thought I may have been missing something due to how easy it was. Another rare/near impossible find.

Two notable standouts was David’s recommendation to do business with another lender when he thought he couldn’t beat their rate. That honesty and advocacy for what was best for ME left a huge impression but only was trumped by his even greater super power of relentlessly finding a way through to do anything & he worked with me to offer a discounted package so we could still do business & I could still get the best deal. Truth be known, I would have paid the extra amount to work with him because he is the good people you want on your side. The next standout was the hour David spent on the phone with me and my partner after we devastatingly did not get a home we had latched onto. He spoke to us the way a big brother would a sibling & the way a true mentor would. His hope kept us going as we were fatigued in the early 2022 California market and through our persistence and his encouragement, we landed our dream home, far superior to what we “thought” we had missed out on. Working with David feels a lot like working with family and with the stress of the home buying process, feeling so undeniably cared for an advocated for is the game changer. Thank you David! We are blessed to have worked with you!
David is a great man!! Dudes very humble and very professional with his service. I have the privilege of cutting his hair as his barber and the man is very knowledgeable and professional.
Since the very first day I spoke to David, it has been nothing short of excellence! We came to David Ramirez as first time homebuyers, we had already experience with two loan officers prior to meeting with him but there was always something missing. Instantly the connection was there with him, you felt the trust and the willingness to dedicate his help to us. Never left out any details, he educates you, and when I did have a question he was always available to take my call or always reassured me never to hesitate to reach out! He helped my family’s dream come true, buying a HOME! The day he called me to say our offer was accepted and escrow hit, he made that happen in less than three weeks!
Now we’re officially homeowners and we could not have done this without David, not without his team, or the team we all were together!

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