Ramon Espinoza

Home Loans AmeriFirst Financial, Inc. NMLS 151617, AZ Lic. 0911895
Sep 15, 2020
BSA Team Lead, VP
Ramon was so great to work with! I relocated from PA to AZ during the pandemic for a job off and did not want to rent. He made it very easy for a first time home buyer like myself to go through the process of pre-approval and eventually through actually purchasing my house (and all on a time crunch!)! The communication lines were open and very easy to understand what was needed on my end. The whole process was smooth and easy which is all I could hope for! I would absolutely recommend Ramon and would look to use his services again if I were to move.
Sep 3, 2020
Ramon was on top of all aspects of the process. He was attentive to my needs and questions which made me feel valued. He conducted himself with professionalism and integrity and allowed for trust to grow through the process. I would highly recommend Ramon to my friends an family.
Sep 2, 2020
Mr. Ramon Espinoza is always prompt in attending any question or concern that I had during the process. He was always one call away. He is truly devoted to his work and great customer service.
Thank you Mr. Ramon!
Aug 31, 2020
Ramon did more for me than my primary bank could do! Very helpful and eased the process from start to finish!
Aug 30, 2020
I have had the opportunity to work with Ramon for a second time. I would highly recommend him to anyone needing assistance with purchasing a home or refinancing their home loan. Whenever I had questions or needed help, he was there to assist me through the process. It was a pleasure to work with you once again. I also appreciate your answering my questions at any time of the day. I couldn't be happier with my experience. Thank you for taking good care of my family and me once again.
Aug 14, 2020
This was the second time I have had the opportunity to work with Mr Espinoza and would highly recommend him to anyone needing assistance when purchasing a home, or refinancing a current home loan. When ever I had questions or needed help, he was there to assist me through the process. In my case, he went far beyond my expectations to make sure I was able to get the best possible results..
Jul 30, 2020
Over the years we have worked with Ramon with home purchases and refinances. Ramon has always been professional and has been there to answer our questions. Every time we texted or left voice messages he always returned our calls promptly. This is way we always returned back to Ramon. We would recommend Ramon as he is always there. Again he is the reason way we keep returning as we know that we can trust him.
Jul 10, 2020
What a breath of fresh air Ramon is! From start to finish Ramon was so gracious, kind and attentive to all of our questions and needs. His experience and expertise were incredible and there was no question or issue (and there were a lot with us) that he was unable to answer or overcome. What a true gift he was to our family. We are so grateful for all he did to get us into our new home. Thank you so much Ramon!
Jul 9, 2020
I whole heartedly recommend Ramon Espinoza and AmeriFirst Financial for your home loan needs. I have had the pleasure to work with Ramon on two occasions; an initial mortgage and, recently, a refinance for a substantially lower interest rate.

Ramon will assist you during the entire process and work to get you the best terms available. You don't need to look around, Ramon will get you what you need in a mortgage or a refinance.
Jul 9, 2020
I would highly recommend Ramon Espinoza for your next home purchase. Ramon made our home buying such a breeze from start to finish. It was a pleasure to work with you once again. You are always so on the ball filling me in on the process every step of the way. I also appreciate you answering numerous questions at any time of the day. I couldn't be happier with my experience with Ramon and his team. Thank you for taking good care of me and my family once again.
Jun 29, 2020
Ramon was great! Really pushed to get my loan done quickly so I could get into my new home as soon as possible. I would highly recommend Ramon and his team at AmeriFirst Financial to anyone.

Thanks Ramon!
Ruth D.
Jun 19, 2020
Home Owner
Well Ramon and Everyone at Ameriafirst is Efficient and Friendly...
Jun 8, 2020
Home Buyer
My family (My parents, my sister with her husband and myself) as a whole has been using Ramon for many years. As a family, I've got to imagine that we've done 15+ loans and refinances through him because his service is second to none. Personally, I've gone through 3 purchases and 3 refinances. Of these loans, I've only not used him once because he mentioned what I was getting from the builder was a far better deal (which we ended up refinancing a few years later for a much lower rate with a bit of equity out).
He always has our priorities as his first concern and is honest when it's not the best move to be made. I can honestly say that I've recommended him to a number of friends looking into home buying and I'm sure he will do great work for them as he has done for us. There's no one I can see myself trusting this much when it comes to home loans.
1000% recommended for sure.
Jun 5, 2020
Design Tech
RAMON IS THE SHIT. He made us feel welcome and comfortable with his financial consultations. He has bettered my credit score with the time of working with him, that says a lot!
I will recommend him to everyone I know that is undergoing this process.
Thanks Ramon once again for helping us out from start to end.
Jun 1, 2020
Home owner
Ramon is friendly and concerned with you getting the best deal for your refinance. He is honest and efficient. He has integrity. Communication and competence is major when you are refinancing a home and I feel he took care of my loan as if I was family.
May 29, 2020
Home Buyer
We have been in AZ for 10 years now and Ramon has been fantastic to work with. Ramon has been our go to loan officer for now our second home in AZ. He was great on the first house and even better on the second house. Ramon is always available to answer any questions we may have about our loan.
It’s good to have someone like Ramon on your team.
May 11, 2020
I highly recommend Ramon Espinoza, at first he help me to own my own home, few years later he also help to refinance. He does an excellent work with honesty. He put all the effort to it to make it happen and the time was fast. Once again I highly recommend Ramon Espinoza..
May 6, 2020
Administrative Assistant/Escrow Officer
Ramon handled my loan when I purchased my home and my re-finance, I am 100% happy, He always stated on top of everything! My closings where perfect and on time! I will recommend Ramon to my family and friends.
Thanks Ramon " you rock"
May 5, 2020
Ramon and his staff were awesome! Super easy to work with especially during this difficult time. He was efficient and made it super easy.
May 4, 2020
National Channel Account Manager
We have worked with Ramon on several properties over the last 15 years. He gas always given us good options and guided us to make the right decisions for our situations. He is very organized and efficient. We have recommended him to several friends who have also used his services.
Apr 13, 2020
Director of Production
Ramon is a great person and took care of my family. Customer service was above and beyond the norm. Thank you for your service.
Mar 17, 2020
I have worked with Ramon for several years. Not only for my personal mortgage needs, but for my clients' real estate financing needs. Ramon and his team are THE BEST! Ramon's service is exemplary and his knowledge of his industry in unparalleled.

Ramon works closely with his clients to ensure they are aware of all the programs available to them, the processes and what they need to do to get there.

Ramon is always on top of his game and with his ever-current knowledge of his industry he has been able to get some people financing where other lenders had not.

Ramon is truly an expert in his field and his demeanor always professional. He is friendly, warm and truly cares to do the best for his/my clients.

From my prospective as a realtor his is very easy to work with and keeps me informed up to the minute. He keeps me on track!

I give Ramon and his team the HIGHEST recommendation and hope you have the opportunity to work with him.
Mar 3, 2020
Just like the other two times I have dealt with Ramon and his very cable staff, It was a wonderful, stress free experience. Ramon is a pro, and his body of work and ethics reflect his years in the business and I highly recommend anyone looking at a refi, to let him go to work for you, you won't be disappointed.

Thank you Ramon
Mar 3, 2020
Home Buyer
Ramon has been very professional and easy to work with! He was able to get us an extremely competitive rate and was determined to get our house closed as possible.
Dec 29, 2019
User Experience Designer
Ramon is fantastic! He wants to make sure you know exactly what you're getting into when it comes to the financial burden of paying for a house. He also has been always available for any questions I had and I really appreciate it!

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