Ramon Plasencia - Mortgage Banker

Ramon Plasencia - Mortgage Banker Sr. Loan Consultant NMLS #3013 (www.nmlsconsumeraccess.org). This is not a
commitment to lend. Other restrictions apply. Licensed in the State of Florida.

• Ramon Plasencia / Senior Loan Officer - NMLS #597461
• Newrez LLC dba Caliber Home Lending NMLS #3013, Equal Housing
Opportunity. 1100 Virginia Dr., Ste. 125, Fort Washington, PA 19034. 1-888-673-5521. All loan programs are subject to credit, underwriting, and property approval. Programs, rates, terms and conditions are subject
to change without notice. Caliber cannot accept mortgage loan applications or inquiries for properties located in New York
through this site.

The media keeps pushing the idea of a housing crash because fear grabs attention fast 📉⚠️But if the housing market was R...
05/18/2026

The media keeps pushing the idea of a housing crash because fear grabs attention fast 📉⚠️

But if the housing market was REALLY collapsing…

Inventory would be exploding nationwide right now.

And it’s not. 🏡

What we’re actually seeing is a market adjusting to:
• higher interest rates
• affordability pressure
• cautious buyers

—not 2008 all over again.

That distinction matters.

Because the agents and loan officers winning in this market are the ones bringing clarity while everyone else spreads panic. 🎯

Inventory is still relatively tight.
Buyer demand is still there.
And if rates improve even slightly, many sidelined buyers are coming right back into the market. 📈

The biggest opportunities are usually created when headlines and reality stop matching.

The question is…
Will you react to fear or position yourself ahead of the next move? 👀

🏡 Saving for a home isn’t just about the down payment.That’s one of the biggest misconceptions in home buying.There are ...
05/14/2026

🏡 Saving for a home isn’t just about the down payment.

That’s one of the biggest misconceptions in home buying.

There are multiple pieces to prepare for 👇
✔️ Closing costs
✔️ Taxes & insurance prepaids
✔️ Earnest money deposit
✔️ Moving expenses
✔️ Reserves after closing

The good news? 💡

Most buyers don’t need as much down payment as they think. The key is understanding the FULL picture before you start the process.

When you know what to expect, you make better decisions, avoid surprises, and move forward with more confidence. 🔑🏠

Preparation creates opportunity.

Another home officially off the market and into the hands of happy homeowners! 🔑🎉This purchase was successfully financed...
05/13/2026

Another home officially off the market and into the hands of happy homeowners! 🔑🎉

This purchase was successfully financed using a Bank Statement Program 💼📑 — proving once again that you don’t need traditional W-2 income to qualify for homeownership.

For self-employed borrowers, business owners, entrepreneurs, and independent contractors, there are options available when the numbers are structured correctly. 📈🏠

Huge Congrats to our amazing clients and thank you to everyone involved for the teamwork and smooth closing process! 🙌🔥

If you’re self-employed and think buying a home is out of reach… let’s talk. There may be more options available than you realize. 📲

🏡✨ Another happy homeowner and another reminder of why we do what we do every single day 🙏💙OFFICIAL! My family and I tha...
05/12/2026

🏡✨ Another happy homeowner and another reminder of why we do what we do every single day 🙏💙

OFFICIAL! My family and I thank you all so much for everything. It’s been an awesome experience working with you all. I have been very shocked at how fast and smooth this experience has been. Thanks to all of your hard work everyday. I’m very proud of the team I have chosen.” 🥹🏠

Moments like this mean everything.
Helping families navigate the home financing process with speed, communication, and the right strategy is always the goal. 💪📋

Congrats again to this amazing family on becoming homeowners! 🔑🎉 Thank you for trusting our team throughout the process

At Rize Mortgage, we’re committed to making the mortgage process smooth, clear, and stress-free from start to finish. 🚀

🏡🔑 JUST CLOSED! 🎉🔥Another happy homeowner officially closed under a Bank Statement Program 💼📑This one is a perfect examp...
05/09/2026

🏡🔑 JUST CLOSED! 🎉🔥

Another happy homeowner officially closed under a Bank Statement Program 💼📑

This one is a perfect example that you DON’T need traditional W-2 income to become a homeowner. 🙌

✅ Self-Employed Borrower
✅ Bank Statement Loan
✅ Smooth Closing
✅ Keys Delivered 🗝️🏠

Every file has a strategy, and with the right team behind you, solutions are possible even when the scenario isn’t “traditional.” 💪📈

Huge Congrats to our client and thank you to everyone involved for the teamwork! 🤝✨

If you’re self-employed, own a business, or write off too much income on tax returns… there may still be options available for you. 📊🚀

📩 DM me “BANKS” to explore your options.

🏡🔑 JUST CLOSED 🔑🏡Congrats 🎉 to our amazing first-time homebuyer on closing their new condo! 🎉🍾✨ Condo financing at its b...
05/08/2026

🏡🔑 JUST CLOSED 🔑🏡

Congrats 🎉 to our amazing first-time homebuyer on closing their new condo! 🎉🍾

✨ Condo financing at its best
✅ CTC in only 9 business days
✅ Smooth process from start to finish
✅ Amazing teamwork by everyone involved 🙌

In today’s market, getting a condo loan closed this fast takes experience, communication, and the right team behind the scenes 💪🏽📄

Helping first-time buyers navigate the process and turn homeownership into reality is what it’s all about 🏠❤️

Thinking about buying your first home or condo? Let’s make it happen 📲🔥

🚨 Everyone is focused on the Fed right now…But here’s the truth 👇The Fed isn’t the full story… and it’s not even the big...
05/05/2026

🚨 Everyone is focused on the Fed right now…

But here’s the truth 👇
The Fed isn’t the full story… and it’s not even the biggest driver of where mortgage rates are going next.

What’s happening underneath the surface matters more. 👀

⛽ Oil prices are starting to move again
📈 That feeds directly into inflation
🚚 Higher energy = higher costs for everything (transportation, goods, services)

And that’s exactly what the bond market is reacting to.

💡 Mortgage rates don’t follow the Fed directly…
They follow inflation expectations

And right now the message is clear:
⚠️ Inflation isn’t fully under control

That’s why:
📊 Rates didn’t drop after the Fed meeting
📈 They actually moved higher

This is where most people get stuck…

⏳ Waiting for that “perfect moment”
When rates fall and everything feels easy again

But markets don’t move like that.

They adjust in real time based on:
🌎 Global events
📊 Economic data
🔄 Shifting expectations

And right now?
We’re in a market that can move fast in either direction ⚡

That’s NOT a reason to wait.
That’s a reason to be prepared. 🎯

Because while some are sitting on the sidelines…

🏡 Inventory is improving
🤝 Sellers are more flexible
📐 Deals can be structured to work right now

The people who win in this market aren’t waiting for perfect conditions…

They’re learning how to move in the ones that already exist 💪

So the real question is:

👉 Are you waiting for the market to change…
or are you ready to take advantage of it right now?

May is here… and things are about to move fast 🚚🏡It’s National Moving Month, which officially kicks off the busiest time...
05/05/2026

May is here… and things are about to move fast 🚚🏡

It’s National Moving Month, which officially kicks off the busiest time of the year in real estate.

Why this season? 👇
📚 Families want to settle in before the new school year
☀️ Better weather makes moving easier
🏠 More homes hit the market

Sounds like the perfect time, right?

It is… but it also means:
⚡ More competition
⏱️ Faster decisions
📉 Less time to prepare once you find the right home

The buyers who win in this market aren’t the ones rushing at the last minute…
They’re the ones who are already positioned and ready before everything starts moving.

If a move is even a possibility this year, now is the time to get aligned 📊

Just closed a condotel deal — and if you know, you know… these aren’t easy 😅🏢🔥Most lenders won’t even touch condotels 🚫B...
05/04/2026

Just closed a condotel deal — and if you know, you know… these aren’t easy 😅🏢🔥

Most lenders won’t even touch condotels 🚫
Between rental restrictions, investor overlays, and project reviews… deals like this fall apart all the time ⚠️

But this one? Got it done ✔️💪

It took the right structure 🧠
the right lender 🏦
and a team that knows how to navigate the details behind the scenes 🤝james.miami
Same property 🏢
Different strategy → completely different outcome 📊✨

If you’re looking at a condotel, or a deal that’s getting pushback… there are options 🔍
You just need to know where to look 👀

Let’s talk 📲

Most buyers spend weeks watching rates… 👀and almost no time understanding how the loan actually works for them.Because h...
04/30/2026

Most buyers spend weeks watching rates… 👀
and almost no time understanding how the loan actually works for them.

Because here’s the truth 👇

Two people can lock the same rate
and walk away with completely different outcomes.

Why?

It’s not just the rate.
It’s how the loan is structured.
How long they keep it.
What the long-term plan actually is.

That’s where the real strategy lives. 📊

And that’s the part most people never get shown.

Don’t just shop for a rate…
build a plan that actually works for you. 🧠💰

Address

7190 SW 87th Avenue Suite 405 And 406
Miami, FL
33173

Website

http://ramonplasencia.zipforhome.com/

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