Etelvina Mata Ramirez - Residential Mortgage Loan Originator NMLS 264196

08/12/2026

A lot of people assume they can't buy a home before they ever talk to a lender.

“I don't have 20% down.”

“My credit isn't perfect.”

“I have student loans.”

“I don't think I make enough.”

Here's what I want you to know:

Don't disqualify yourself based on assumptions.

There are different loan programs with different down payment, credit, income, and qualification requirements. Having student loan debt doesn't automatically prevent you from qualifying either.

Maybe you're ready today.

Maybe you need six months.

Maybe there's a completely different loan option you didn't know existed.

You don't know until you know your numbers.

And if you're not ready? That's okay too. I'd rather tell you exactly what needs to change and help you create a plan than tell you what you want to hear just to get an application!!

Education first. Application second 😉

Have a mortgage question you've been afraid to ask? Drop it below or send me a message. 👇

—
Etelvina Mata Ramirez
RMLO | NMLS #264196
📞 956.251.2826

Schedule your free call today!
https://calendar.app.google/822GjP8uHX14d5MP9

Helping Texans make informed mortgage decisions through education, transparency, and honest guidance.

07/31/2026

One of the biggest misconceptions about buying a home is that if a lender approves you for a certain amount, that's what you should spend.

The truth?

Those are two very different numbers.

Just because you can qualify for a higher payment doesn't always mean you should.

Before buying a home, ask yourself:

✔️ Will I still be able to save every month?
✔️ Can I comfortably handle unexpected expenses?
✔️ Will I still be able to enjoy life after my mortgage payment?
✔️ Does this payment fit my long-term financial goals?

Buying a home should bring peace of mind—not financial stress.

My job isn't to help you buy the most expensive house possible.

My job is to help you find a payment that fits your life and your goals.

Etelvina Mata Ramirez
RMLO | NMLS #264196
📞 956.251.2826

Schedule your FREE consultation today!
https://calendar.app.google/822GjP8uHX14d5MP9

Helping Texans make informed mortgage decisions through education, transparency, and honest guidance.

07/30/2026

You don't have to buy a home this month.

But you should know whether you're in a position to buy!

One of the biggest I push backs I get are:

"I don't want to get pre-approved because I'm not ready yet."

Here's the truth...

Getting pre-approved doesn't obligate you to purchase a home.

It gives you clarity.

You'll learn:
✔️ How much you may qualify for.
✔️ What your estimated monthly payment could look like.
✔️ How much cash you may need.
✔️ Whether there's anything you should improve before buying.

Sometimes the outcome is, "You're ready."

Other times it's, "Let's work on a few things first."

Both are valuable because you're making decisions based on facts—not guesswork.

Whether you're planning to buy in 3 months, 6 months, or even next year, understanding where you stand today can help you prepare.

My goal isn't to pressure you into buying.

My goal is to educate you, answer your questions honestly, and help you make the decision that's right for you and your family.

If you'd like to know where you stand, I'm always happy to help.

Schedule your FREE 1:1 today!
https://calendar.app.google/822GjP8uHX14d5MP9

Etelvina Mata Ramirez
RMLO/NMLS #264196
📞 956.251.2826

Serving homebuyers throughout Texas.

07/30/2026

Todos dicen que están esperando a que bajen las tasas de interés.

Pero mientras esperas que las tasas cambien, hay otras cosas que no se detienen.

📈 Los precios de las casas pueden seguir aumentando.
💰 Los pagos de renta siguen ayudando a generar el patrimonio de otra persona.
🏡 La competencia cambia ya que más compradores entran al mercado.
📊 Retrasas la oportunidad de comenzar a generar tu propio patrimonio.

¿Eso significa que comprar hoy siempre es la mejor decisión?

No.

Cada situación es diferente.

El mejor momento para comprar una casa es cuando estás financieramente preparado y los números tienen sentido para ti, no por los titulares de las noticias, las redes sociales o la presión de otras personas.

Mi objetivo no es convencerte de que compres.

Mi objetivo es ayudarte a entender todas tus opciones para que puedas tomar una decisión informada y con confianza.

Si te has preguntado si te conviene comprar ahora o esperar, analicemos los números juntos. A veces esperar es la mejor decisión, y otras veces no. La respuesta siempre debe basarse en hechos, no en opiniones.

Etelvina Mata Ramirez
RMLO/NMLS #264196
📞 956.251.2826

¡AGENDA TU LLAMADA GRATIS HOY!
https://calendar.app.google/822GjP8uHX14d5MP9

Ayudo a compradores de vivienda en todo Texas.

07/29/2026

Everyone says they're waiting for rates to come down.

But while you're watching interest rates, other things don't stop.

📈 Home prices can continue to rise.
💰 Rent payments build someone else's equity.
🏡 Competition changes as more buyers enter the market.
📊 Equity is delayed.

Does that mean buying today is always the right decision?

No.

Every situation is different.

The right time to buy is when you're financially prepared and the numbers make sense for you—not because of headlines, social media, or pressure from anyone.

My goal isn't to convince you to buy.

My goal is to help you understand your options so you can make an informed decision with confidence.

If you've been wondering whether it makes sense to buy now or wait, let's run the numbers together. Sometimes waiting is the better choice, and sometimes it isn't. The answer should always be based on facts—not opinions.

Etelvina Mata Ramirez
RMLO/NMLS #264196
📞 956.251.2826

SCHEDULE YOUR CALL TODAY!
https://calendar.app.google/822GjP8uHX14d5MP9

Serving homebuyers throughout Texas.

10/31/2024

07/27/2024

As a dedicated Financing Consultant with over 11 years of experience, I specialize in mortgage and commercial loans in the states of Texas and Florida. My career is driven by ethics and transparency, ensuring my clients receive the highest level of service and trust.

I am passionate about my work because I have the privilege of helping people realize their dreams—whether it's buying a home or starting and growing their businesses through commercial loans. This passion fuels my commitment to excellence and precision, aligning perfectly with my love for math and numbers.

Beyond the office, I enjoy exploring new cuisines and trying new restaurants, a reflection of my adventurous spirit. I am also a proud wife and mother, deeply family-oriented, and I cherish the connections I make with my clients and their families.

My perfectionist nature ensures that every detail is meticulously handled, providing my clients with confidence and peace of mind. I believe in building lasting relationships and making a positive impact in the lives of those I serve.

If you are looking for a financing consultant who combines expertise, integrity, and a genuine passion for helping you achieve your goals, I would be honored to work with you. Let's turn your dreams into reality together.

07/02/2024

Thank you, Laredo, for voting us Best Financial Services in the 2024 Readers’ Choice Awards! As your leading company in residential and commercial financing, we are honored by your support.

02/02/2024

In the month of ❤️Love❤️, choose to Love Your Credit!

Here is some free information on how to stop those annoying calls and mail.