Ronny Hernandez-Ramirez, Mortgage Loan Officer- NMLS #2256243

10/12/2026

Different documents. Same dream of homeownership.

If you use an ITIN rather than a Social Security number, there may be mortgage options available to help you purchase a home.

The Earned Equity ITIN program offers features including:

🔸 As little as 3.5% down
🔸 No traditional credit score required
🔸 Options for W-2 wage earners
🔸 Bank statement programs for qualifying self-employed borrowers

Don't assume your documentation or income situation automatically puts homeownership out of reach.

📲 Let's talk about your situation and explore what's possible.

Ronny Ramirez | Branch Manager
NMLS #2256243
📞 571-533-5147
📧 [email protected]

Program terms, eligibility, and availability are subject to change. Qualification required.

10/05/2026

No credit score doesn't automatically mean no path to homeownership.

The Earned Equity Program offers options designed for borrowers who may not fit inside the traditional mortgage box.

🏡 No FICO? Two alternative 12-month tradelines may provide a path forward.

🏡 580 FICO? An option may be available without those tradelines.

Your financial story is about more than one number—and sometimes it just takes the right loan program to see the bigger picture.

📲 Reach out and let's see what options may be available for you.

Ronny Ramirez | Branch Manager
NMLS #2256243
📞 571-533-5147
📧 [email protected]

Program terms, eligibility, and availability are subject to change. Qualification required.

09/28/2026

Think the down payment is the biggest thing standing between you and a new home? There may be another option.

An FHA Down Payment Assistance program may provide qualified buyers with a 3.5% repayable second mortgage to help make the upfront cost of homeownership more manageable.

✅ 600 minimum FICO
✅ No income limits
✅ Primary residence
✅ 1–2 unit properties
✅ Manufactured homes may be eligible with a 620 minimum FICO

You may be closer to buying than you think.

📲 Let's talk about your options and see what may be possible.

Ronny Ramirez | Branch Manager
NMLS #2256243
📞 571-533-5147
📧 [email protected]

Program terms, eligibility, and availability are subject to change. Qualification required.

05/07/2026

This one hits different. Watching a good friend go from dreaming about homeownership to holding that key. We stayed patient, adjusted with the market, built a game plan, and executed. Smooth closing, big moment. Congrats Leo, you earned this brother 🙏🏽
And none of this happens without an incredible agent in the corner fighting for her client every step of the way. Her negotiation skills were on another level 🔥

Mortgage qualification questions? Let's talk ? 📲

— Ronny Mortgages | Your Mortgage Guy

04/29/2026

Moments like this never get old.
Helping families go from dreaming about a home… to sitting at the closing table together 🏡
This is why I do what I do

Thank you for smooth closing!
Could not have been with yours truly

Dont know where you stand in buying a home?

Message me 📲

04/24/2026

Closed & Funded 🏡✅
Homebuyer using a Conventional Loan

✔️ Lower upfront costs
✔️ No large insurance fee at closing
✔️ Monthly insurance can be removed later

$434,900 purchase. Smooth from start to finish.

Helping buyers make it happen.

Mortgage questions or scenarios?

Contact me 📲

01/20/2026

A new proposal was introduced this week to help address the housing shortage by encouraging more home construction across the country.

For first-time homebuyers, this could mean more inventory, less competition, and a healthier market overall. While changes like this take time, it’s a reminder that opportunities can open up when you’re prepared and informed.

Understanding your options early can make a big difference when the timing is right.

11/03/2025

First-Time Homebuyers — This Home Could Be Yours! 🏡

Dreaming of homeownership but not sure where to start? I can help you get inside this home with programs designed to make buying easier:

✅️ Down Payment Assistance – Get help covering your down payment & closing costs.

✅️ Earned Equity Program – Move in now, lock your price, and build equity while you rent.

✅️ Self-Employed / Bank Statement Loans – Qualify using your business deposits instead of tax returns.

✅️ ITIN Programs – Yes, we help clients without a Social Security number become homeowners too!

With the right strategy, owning a home may be closer than you think. Let’s connect and explore your best path to ownership

📞 571-533-5147 | [email protected]

NMLS #2256243

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Compradores de primera vivienda — Esta casa puede ser tuya! 🏡

¿Sueñas con tener tu propia casa pero no sabes por dónde empezar? Yo puedo ayudarte a entrar a esta casa con programas diseñados para hacer el proceso más fácil:

✅️ Programa de Asistencia para el Pago Inicial – Recibe ayuda con tu pago inicial y costos de cierre.

✅️ Programa de Equidad Ganada – ¡Múdate ahora, bloquea el precio y comienza a generar equidad mientras rentas!

✅️ Préstamos para Negocios Propios / Estados de Cuenta Bancarios – Califica usando tus depósitos en lugar de tus impuestos.

✅️ Programa ITIN – ¡También ayudamos a clientes sin número de Seguro Social a lograr su sueño de ser dueños de casa!

Con la estrategia correcta, tu nuevo hogar está más cerca de lo que imaginas. Conversemos y encontremos juntos el mejor camino para ti.

📞 571-533-5147 | [email protected]

NMLS #2256243

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03/26/2025

The FHA (Federal Housing Administration) has made a change to their rules. Starting May 25th, people who are not permanent residents (like those on temporary visas) will no longer be eligible to apply for an FHA loan. This rule change only applies to new loan applications made after that date.

Attention home buyers and agents!!!!!!!

If you have clients who this new rule applies to, make sure to close on their homes before May 25th. After that date, non-permanent resident aliens will no longer be eligible for FHA loans!!!

03/25/2025

Why Do Mortgage Rates Change?

Mortgage rates are tied to Mortgage-Backed Securities (MBS) -bundles of home loans that investors buy and sell.

1. When MBS are in high demand, rates go down 📉 (cheaper loans).
2. When demand drops, rates go up 📈 (more expensive loans).
3. Things like inflation, the economy, and Fed decisions affect MBS, causing mortgage rates to change daily.

That’s why timing matters when locking in your rate!