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Ramsey Hamood - DirectRate Home Loans, Inc.

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United States
Cottonwood Heights, UT
Ramsey Hamood - DirectRate Home Loans, Inc.

Branch Manager & Sr. Loan Officer
Personal NMLS 216092
Company NMLS 1761573 I am a dedicated mortgage professional with 19 years of experience in the industry.

At DirectRate Home Loans, we are committed to providing exceptional service and expertise to help our clients achieve their homeownership dreams. Whether you're a first-time homebuyer, refinancing, or investing in a rental property, we have the knowledge and resources to guide you through the complex world of real estate financing. As a mortgage professional, I pride myself on building lasting rel

ationships with my clients. I understand that buying a home is a significant financial decision, and I strive to make the process as smooth and stress-free as possible. I'm here to find the right mortgage product for your unique needs and guide you through every step of the process. Thank you for considering me as your mortgage professional. Please feel free to contact me for more information about DirectRate Home Loans or to discuss your mortgage needs. Personal NMLS 216092

11/22/2025

What a week! 🙌
I’m beyond grateful to celebrate two back-to-back closings for my client Tsyion — a powerhouse investor, entrepreneur, and mother of four who is building something incredible here in Washington.

Tsyion came to the U.S. as an immigrant with a dream, started her own business, and turned her first property into a successful Airbnb. She originally doubted she could even qualify for another home… but together, we locked in not one, but TWO more investment properties for her — back to back.

Seeing her confidence grow through this process has honestly been one of the most rewarding parts of my job. And then she hit me with the surprise of the year...
She referred me a new client the very same day. ❤️

Helping families build generational wealth through real estate is why I love what I do. If you’re a Realtor looking for a lender who will treat your clients like family, or if you’re thinking about taking the next step toward buying or investing, I’m here for you — every step of the way.

Here’s to new keys, new doors, and new possibilities. 🔑✨

— Ramsey
Direct Rate Home Loans
NMLS 216092

09/07/2025

🚀 From 0 to 805 FICO in just 2 weeks!

I recently helped a client who had no credit history jump to an 805 credit score in under two weeks by enrolling them in a new program called Kikoff. For just $35/month, this program reports to the major credit bureaus and helps clients establish solid credit fast.

Why this matters for Realtors:
Many potential homebuyers in your database may be stuck because of poor or no credit. By partnering with me, we can guide them through simple, proven steps to quickly get back on track and into a home.

✅ Affordable monthly plan
✅ Reports to major credit bureaus
✅ Rapid score improvements
✅ More qualified buyers for you

If you have clients who need credit help before they can buy, let’s connect. Together, we can turn credit challenges into closed deals.

👉 DM me today or tag a Realtor who needs this!

09/03/2025

🎉 Excited to share a recent home funding success!

Congratulations to Alex & Jlynn on becoming first-time homebuyers! 🏡 They’re relocating from Texas to Washington as Alex, a proud military veteran, PCS’s to Fort Lewis. It was an honor to guide them through their very first home purchase.

A special thank you to Monica Lucio,Texas Realtor—Realtor and mother of Jlynn—for trusting me not just with your clients, but with your own family. Referrals like this mean the world to me and remind me why I love what I do.

Wishing Alex & Jlynn all the best as they start this exciting new chapter here in Washington! ✨

Ramsey Hamood - DirectRate Home Loans, Inc. | Sr. Loan Officer & Branch Manager
Direct Rate Home Loans, Inc.
Seattle Branch | 1455 NW Leary Way, Suite 400, Seattle, WA 98107

Company NMLS #2419164 | Branch NMLS #2723123 | Personal NMLS #216092

07/26/2025

Had an awesome time in Salt Lake City this weekend with the Direct Rate Home Loans crew! 🐝⚾️ Huge thanks to our amazing team and an even bigger shoutout to our fearless leader The Ben Lemon Team - Direct Rate Home Loans for flying us out and making this unforgettable Bees game experience happen. 🙌

Grateful for the chance to make memories, share laughs, and enjoy some sunshine with my girlfriend and my work fam. Here’s to great company—in more ways than one! 💼❤️

07/14/2025

Today, one of my loan fundings was unexpectedly delayed because of this new wire-transfer update from the Fed. Here's what you need to know.

Wire Transfers Are Getting Smarter & Safer!

Starting July 14, 2025, all U.S. banks—including yours—are moving to a modern global format called ISO 20022 for wire transfers. Why it matters? Here’s the lowdown:

What’s changing:�Wire transfers will now require full physical addresses for both beneficiary and intermediary banks. If that info is missing, wires might get rejected by the Fed.

What stays the same:�Your online banking interface will look familiar—but you’ll need to update wire templates to include those new address fields

What you should do now:
1. Review & update saved templates—add full street addresses (don’t forget city, state, ZIP).
2. Double-check wire details for accuracy before July 14.

Why this matters to you:�ISO 20022 offers faster processing, fewer errors, and stronger fraud protection, all aligned with international standards.

Quick checklist before July 14, 2025:

* Update wire templates with full address info
* Reach out to vendors/payees for complete details
* Save or print existing templates—you’ll need to re-enter them

Need help? Your bank’s support line or local branch can make the transition smoother.
Stay ahead of the curve—your future self (and your finances) will thank you!

https://www.bankencore.com/blog/posts/wire-transfers-are-changing-what-you-need-to-know

05/26/2025

🎉 5 Closings — DONE & DONE! 🏡✅
It’s been a busy stretch helping 5 amazing families close on their homes, but now the pipeline is cleared and I’m ready to help you get your next deal across the finish line.
If you're a Realtor looking for a mortgage partner who ALWAYS communicates, delivers, and gets deals DONE, let’s connect. I'm actively looking to build new partnerships and help more families experiance their dream of homeownership.
📲 DM me or tag a Realtor you think I should meet. Let’s make your next closing smooth, fast, and drama-free.

04/22/2025

Boom 💥 APPROVED IN 1 DAY!

Just helped one of my amazing clients get a refinance approved in 24 hours—yeah, you read that right. Not 24 days. Not even 2. One. 🏡⚡️

When you work with a broker who knows the game and partners with lenders who move lightning-fast (shoutout to UWM 🚀), magic like this happens.

Thinking about refinancing? Let’s make it smooth, fast, and stress-free. Your lower rate is just a day away. 😉

04/11/2025

🏡 A Challenging Journey to a Happy Ending 🏡

Recently, I had the privilege of stepping in to assist a client whose home loan journey had hit a major roadblock. Referred to me by the listing agent, this deal became critical for both the buyer and seller—the original lender couldn’t close, and time was of the essence for everyone involved.

By leveraging one of DirectRates' Bank Statement Qualifying Loans, I was able to find a solution that fit the buyer’s needs perfectly. It wasn’t an easy task, but with years of experience in the mortgage industry and a commitment to finding solutions, we successfully closed the deal.

After some serious strategizing and dedication, we made it happen. Seeing the relief and joy on both the buyer’s and seller’s faces made all the hard work worthwhile. Thank you MMila Samakhvalavafor having faith and referring your buyer to me.

This experience reminded me why I do what I do—it’s about creating opportunities and helping families move forward. If you're looking for a partner who will go the extra mile to make homeownership a reality, I’m here for you.

💬 Ready to chat? Let’s make it happen.

Address

6985 S. Union Park Center Suite 150
Cottonwood Heights, UT
84047

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+12062907848

Website

https://www.directrate.com/

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