Headshot of Alfredo Ramirez

Alfredo Ramirez

Mortgage Advisor

Sciutto Team

NMLS #244084

Adress
3111 Camino Del Rio N, Suite 350
San Diego, CA 92108
Contact Methods
Email
tel Phone
(619) 886-2424
fax Fax
559-400-0866
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Alfredo

Prior to my 20 years in the mortgage industry, I was known for catching waves at the World Surfing Championships. Since moving onshore in 2001, I’ve engaged in a new thrill: giving clients like you a stellar mortgage experience. Whether you’re looking to finance your first home or refinance your current abode, you can count on me to get it done.

I’ve stayed in the mortgage industry because I love helping people achieve their goals and seeing their dream of owning a home come true. It’s my goal to see each client become a homeowner and guide them through the process with confidence and ease. Being fluent in both Spanish and English helps me to establish a respectful, trusting relationship with my clients. No matter what language our discussions are in, I look forward to helping you start your home financing journey.

Born in San Diego but raised in Northern Baja, Mexico, I went to school in Canada and earned a master’s degree in business. I’m now married to my beautiful wife Karla, father to 12-year-old Maria Jose and 10-year-old Victoria and am a professional surf coach in my off time.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Hispanic family laughing together
    Published on

    NAHREP 2022 State of Hispanic Homeownership Report

    2020 marked the beginning of large-scale, consistent market fluctuations, but despite that, the Hispanic homeownership rate has continued to rise. The National Association of Hispanic Real Estate Professionals (NAHREP) has released its annual report for 2022. Here's some key takeaways from the report.

  • A family on a tablet
    Published on

    Can You Buy a House with No Money Down?

    Saving for a down payment is definitely important, but there are alternative options if you have little to no down payment available to purchase a home. Let’s take a look at these options to see if one fits your circumstances.

  • Homeowner and his dog
    Published on

    Should I Use a HELOC for Home Improvement

    Renovation projects can update your home and make it more comfortable while also boosting its value. But home renovations can be costly. Should you use a home equity line of credit (HELOC) for home improvement projects?

    Here are the pros and cons of using a HELOC for home renovations.

  • A renovated kitchen
    Published on

    How the Purchase and Refinance Mortgage Process Works

    If you’re thinking about buying or refinancing a home, you may find yourself in unfamiliar territory. Use this quick guide to learn more about what to expect when buying or refinancing a home.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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