Ramon Espinoza

Home Loans AmeriFirst Financial, Inc. NMLS 151617, AZ Lic. 0911895
Feb 2, 2021
Ramon was awesome during my entire re-finance process. Great communication and professionalism.
Jan 25, 2021
Hasta ahorita es la tercera vez que refinancio con Ramon y Amerifirst ,no hay palabras para describir lo profesional que es.
Lo recomiendo 100%
Jan 15, 2021
Ramon made the financial side of home buying a breeze. His knowledgeable staff worked with us to make the process smooth and painless. They coached us up on the process while working quick to get our home closed quick. I would highly recommend Roman and his team for there services.
Thank you.
Jan 8, 2021
Ramon was/is amazing. I am 21 years old and bought my first home. His help being one of the main reasons I was able to achieve this accomplishment. He was very direct yet showed care, compassion and assured me he will do what he can to help me reach my goal. And he did. 10/10 recommend Ramon!!!!!
Dec 3, 2020
Software Engineer
I’m a new investor. I had the privilege of working with Ramon, a super proficient mortgage lender. My mortgage processing was like clockwork and I got a great rate as well.
Nov 30, 2020
Ramon is a home loan "superhero"!!!!!
I was going thru the home buying process with another lender and 30 days away from closing the lender I was working with all the sudden told me that they were having "issues" with my loan after I was already pre-approved. I reached out to Ramon and explained my situation and within hours he re-assured me that I everything was going to be fine and sure enough we closed on time.
Nov 20, 2020
Ramon was great with our first loan process and with our refinance. He is very easy to contact and always answered our questions at any given time.
Nov 13, 2020
Ramon was awesome kept me informed on the process and even came to my workplace to get some signatures to keep the ball rolling he went above and beyond to make the refinance seamless. He will get any future business from Thanks Ramon
Nov 5, 2020
When buying my house, it turned out that the seller needed me to move faster than my first lender could accommodate. I called Ramon up that same day, and he immediately got me set up with a pre-approval over the phone. Sure enough, he got me through to closing on time and did a great job answering any questions I had about the process along the way.
Oct 15, 2020
Ramon is very knowledge and knows the ins and outs of this field area. He was able to answer any and all questions I had and explained them well to me. He was also available during non business hours during critical moments throughout the loan process. This was the second time I used Ramon and will use him again a third time when the time comes. Overall, great experience!
Oct 12, 2020
Sr Manager
Ramon was very responsive, kept me informed throughout the process and was able to answer all the questions I had throughout. I couldn't have ask for anything more.
Oct 11, 2020
Vice President of Sales
Ramon provided great communication throughout the entire process and was able to provide me with the best rate possible.

Alan Raymond
Oct 7, 2020
I like the personal connection that Ramon makes with his customers. He carefully walked me through the loan process for buying my new home and answered any questions that I had in a timely manner. Overall, he made my home-buying experience a smooth transaction! He is truly a service-orientated human being and I would recommend him to any home buyer!
Oct 6, 2020
home owner
Ramon Espinoza and his team done a great job qualifying me with home loan. When other didn't . They worked hard and professional.
I'm very grateful for all their work.
Thank you.
Oct 2, 2020
Senior Director - Technology Internal Audit
Ramon is a RockStar and the absolute best home mortgage lender I have had the privilege of working with.
In the short time I have known Ramon or Senor RED as I'd like to call him (you need to ask him what that stand for :) ), he has earned my trust and respect through his openness and genuine no-nonsense approach opening, processing and closing on loans.
I greatly value open lines of communication, efficient execution and having fun while you're doing business and Senor RED delivers and delivers well.
There's never a stupid question or impatience with ignorance... only opportunities to learn, share and laugh a lot.
Whether you're closing on your very first home or on your 9th rental property as a seasoned real estate investor you will be glad you found Ramon.
I look to Ramon for his patient guidance, his endless wisedom and his untiring with and humor.
And now that I've managed to hit 150 words to go on and on about how awesome Ramon is, I must remember to collect that $$$Franklin bill from Ramon that he promised me ... ha ha ha ... sorry Senor RED I just couldn't resist.

You rock Senor RED

- A very grateful patron
Sep 30, 2020
Loss Mitigation Supervisor
Ramon and Team did an excellent job on helping me refinance. The process was quick and easy. I was able lock in a low interest rate and save on my monthly payments ☺️ Thanks Everyone!
Sep 29, 2020
Sales supervisor
Ramon did a great job helping us get our mortgage loan secured in a timely fashion, and was very communicative throughout the whole process. Periodic updates about the status of the loan, as well as following up to make sure we were getting all of the documents we needed. He also answered all the questions we had for him. I highly recommend his services to anyone who is looking for a home loan.
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!

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