Ramon Espinoza

Home Loans AmeriFirst Financial, Inc. NMLS 151617, AZ Lic. 0911895
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!
Dec 17, 2019
Customer Service Manager
Ramon was very professional, efficient and knowledgeable. When ever I had a question or needed something he responded right away and helped me with everything I needed. I will be sure to recommend him and AmeriFirst.
Oct 14, 2019
Sr Consultant
Ramon and Clemente had been very helpful for a new investor and first time home buyer like me. Patient and cooperative. Would recommend them to my friends for being able to close on time and the ability to request & process the right information.
Oct 10, 2019
I’ve done 3 refi’s with Ramon over the last 5 years and have been treated like a family member. Ramon’s team gets it done!

Thank you Ramon!
Oct 6, 2019
I highly recommend Ramon Espinoza to process your loan. Being out of state, he made the process very convenient and self explanatory to complete.
Sep 10, 2019
The house of our dreams
The service and attention were top quality. They are the best company. We recommend them 100%. 5 star!!!
Sep 10, 2019
Individual Investor
Ramon is the best! I’ve worked with Ramon for over 7 years, Multiple mortgages and cashout refinancing transactions of my own and have sent many friends to him. As an investor I like working with Ramon because he is awesome, flexible and transparent to achieve fast closing when needed and to navigate surprises that come up in the process. I also learned a lot from him about the loan process itself. Great guy assisted by a great team :)
Sep 6, 2019
Thank you for all your help with the loan for the new home. 10 stars!!!
Jul 14, 2019
Ramon did an outstanding job taking care of the loan process. He was very professional and was very efficient and timely communicating with us from beginning to end. I highly recommend Ramon for any real estate loans.
Jun 1, 2019
Software Engineer
Very efficient. Got my family the best deal possible and worked hard to communicate and get done what needed to be done. Greatly appreciate his hard work.
Mar 20, 2019
Freight handle or truck driver
Good cervice exelent treat nice person I feel so happy 100%satisfied with everything in all paper work so friendly good job

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