Ramon Espinoza

Home Loans AmeriFirst Financial, Inc. NMLS 151617, AZ Lic. 0911895
May 14, 2021
transportation engineer
definitely highly recommend Ramon Espinoza. Very friendly and knowledgeable with his job duties. Thanks for everything Ramon Espinoza, you're the bomb. ????????
May 14, 2021
I am SOO happy with Ramon and his team! They were super easy to work with and kept me updated. The process was smooth and he was able to work with me on all the numbers. THANK YOU for helping get my little girl and I a home.
May 14, 2021
I am SOO happy with Ramon and his team! They were super easy to work with and kept me updated. The process was smooth and he was able to work with me on all the numbers. THANK YOU for helping get my little girl and I a home.
May 8, 2021
Ramon handled my refi recently. He was extremely helpful and informed me throughout the process. His team was amazing at slowing down and explaining things in terms I could understand.
Highly recommended!
Apr 6, 2021
Mr Espinoza was amazing! He kept all of my team up to date on the process and all that we could expect, and the time frame to expect. I would recommend him to any and every person needing or wanting to purchase a new home! Thank you so much Ramon!
Apr 5, 2021
Great support and clear understanding of proposals
Mar 25, 2021
Ramon is very helpful with VA loans and credit issues. He arranges submitted of DD214 and VA appraisals. We refinanced and changed from using my husband’s VA loan to mine, which had never been used, to save money on fees. The Process was very smooth and he answered all of our questions. in the end we got a very low interest rate, and were able to skip 2 mortgage payments. Happy!
Mar 21, 2021
Ramon let me know what all my options were and made me feel confident with my decision.
Mar 21, 2021
I am ever so grateful to Ramon for his guidance and assistance throughout our entire home buying process. He made our home purchase one of the best experiences for my family. He communicated on all the aspects of the process with an excellent level of customer service from the start to the closing. I appreciated the timely updates and all his commitment to our loan. I consider Ramon to be an exceptional professional with the friendliest disposition.
Mar 19, 2021
Business owner
Ramon was wonderful in what he did to try and make everything happen and work with me. We got to know each other pretty well he was always accessible in the evenings and always followed through. I feel like I doing pretty well. I have recommended them to two people I know already.
Mar 17, 2021
Ramon and his Team were super during what is typically a long arduous process. They guided us thru the whole process and made the whole thing effortless! We would definitely recommend Ramon and his team to our friends and family and are so happy we found him!

Thank you Ramon!!
Mar 15, 2021
I was very pleased with the way the refinancing went. I was kept informed at each stage. It was quite a smooth process. Being able to submit and sign documents online was extremely convenient.

When I had questions, the response was always very quick and to the point.
Mar 15, 2021
We highly recommend Ramon. He handled our original loan in 2017 and a refinance in 2020, both were handled without any issues. Ramon is very professional and efficient. Very easy to work with and always return calls very quickly.
Mar 12, 2021
Ramon is a neighbor and friend, as well as my mortgage banker. He made the whole process go smoother by being available to answer questions that came up doing the process. My only complaint was the length of time it took from the start in late Oct 2020 to the finish in mid Feb 2021. Some of the delay may have been due to difficulty we had verifying one of my income sources, as well as the slow down caused by the Covid-19 pandemic. Overall, I was very happy with the service Ramon and his team provided.
Mar 9, 2021
Ramon worked tirelessly on my home loan. Making sure I received the best deal available to me. I was completely naive of how the system worked and he made sure I understood everything that was going on, answering all of my questions. I was very satisfied with the service I received from Ramon and his team and would definitely recommend him to friends and family.
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!

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