Headshot of Alfredo Ramirez

Alfredo Ramirez

Mortgage Advisor

Sciutto Team

NMLS #244084

9095 Rio San Diego Drive, Suite 240
San Diego, CA 92108
Contact Methods
tel Phone
(619) 886-2424
fax Fax


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.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


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.


  • 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

    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

    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

    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.

Quick Contact Form

Send me a message below or give me a call at (619) 886-2424