Xavier Ramirez
Name
Xavier Ramirez
Company
FHA LOAN OFFICER 321HomeLoans.com
E-mail
Contact Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com)
Website
http://www.321HomeLoans.com
Office Phone
(714) 369-8824
Fax
(714) 845-0009
Description
About Us: FHA, VA, USDA Approved Lending Institution. An Inc 5000 Company. An Entrepreneur Hot 500 Company. 12th Largest Mortgage Broker in U.S. 10 days refinance close/14 days purchase close!

About Me:

We created and developed a mortgage calculator entitled A.M.A.S.S Equity, A Mortgage Acceleration SyStem which shows how to payoff a 30 year mortgage in less than half the time.

We Offer:

. 100 % Financing
· No Down Payment
· No Cash From Buyer
· No Mortgage Insurance
· No Assets
· No Reserves
· Flexible underwriting guidelines
· Relaxed credit requirements
· Finance closing costs into the loan
· Unlimited seller paid closing costs
· Get a USDA home loan and use the new tax credit (HR3221 bill) to get into a home with no out of pocket money and receive $7500 tax refund when you file your 2008 taxes.

Serving more than 1,000 families over 11 years.

SEMPER FI!
XAVIER RAMIREZ
Mortgage Consultant
714.369.8824 Direct

 

Some of the Lenders Still Around that we use

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Today's Rates

Today's Rates

100% Less than 12 Mo. Seasoning, Appraised Value
65% No-Doc Land Loan
85% HELOC
90% Second Home, 580 Score
100% with Seller-Carry-Back, 520 Score
80% Stated Income, Gift Funds Okay
90% Second Mortgage
95% Home Improvement, Improved Value
95% Construction Loan
90% Purchase to 3 Million
80% to 20 Million, Purchase or Refi
100% Refinance, 580 Score
97% Employment Gap Allowed, Gift Funds OK
100% No Reserves
100% Equipment Leasing
95% Manufactured, Older Than 15 Years
97% Rural Property, Gift Funds Allowed
100% Unsecured Loan
90% Investor, Non Permanent Resident Alien
95% Second Home, Gift Funds Okay
80% LTV Cross Colateralized (Blanket Loan)
95% With 24 Month Old Foreclosure
100% No PPP
95% Single-Wide Manufactured
97% First Time Home Buyer, Gift Funds OK
90% Non-Owner Occupied, 580, Units OK
75% Refinance, Privately Held Mortgage
95% Interest Only
90% Non-Owner-Occupied, 620 Score
80% Stated Income, Stated Asset
97% LTV with 500 Credit Score, Units Allowed
97% LTV Manufactured Housing
97% Rural Property With Unlimited Acreage
90% Unreco rded Land Contract Allowed
95% Leasehold Property Purchase / Refinance
85% Mixed Use Property, Purchase or Refi
90% Vacant Property Allowed
85% 600 Score, Cash-Out to 1 Million
97% Light Doc, Purchase, Commercial
100% Commercial Purchase
90% SBA Loans
100% Commercial Financing
90% Gift of Equity Allowed

Testimonials

We were able to purchase a home without having the best of credit AND with no money down and did not have a mortgage payment for 3 months. We were able to move from a home that we were renting and can now say we are proud homeowners. THANKS XAVIER
The Allison family


Since working with Xavier, we have purchased not one but 2 homes that were priced below market value. Before, I met Xavier, I did not know the first thing about real estate but he guided us with ease. We plan on selling one property when the market picks up and should see a very nice return on our investment. Xavier, thanks for everything.
Ray F.

We we're able to purchase a home of our own using no money out of our pocket. The cash we saved, we used to buy new furniture. We cannot express or gratitude enough to Xavier for all his help!
Jorge Gutierrez

Thanks for all your help - We love our new home!
Marc and Valerie Espinoza


Our refinance went as smooth as can be. From start to finish Xavier explained the entire process, what we should expect, when we should close etc. with a very low rate. Thank you sir!
M. Gomez


Refi'd with Xavier two times now and both times we saved alot of money - Keep up the great work.
R. T. Ramirez


Known Xavier a long time, I refer all my business to him and his team. Can't wait to do another one.
The Hernandez Family

After shopping for 2 months and alot of hours doing my research someone referred me to Xavier and from then on he handled all my questions and concerns. No longer will need to waste time next time I need a loan. He got us the best terms we qualified for.
R. Romero


He sounds like a radio DJ- Xavier when are you getting that job as a radio disc Jockey?
Thanks for all your help
M. Reyes


I always check with Xavier on all my questions concening mortgages buying and selling - next I will purchase a commercial prop.
Dr. Magalong


Got me the lowest rate and best program to fit my needs
J. Marquez


We purchased with no money down and very little out of our pocket. We are very grateful for the hard work Xavier put into our deal. Sorry for the headaches I put you through!
Betty M.


We bought our home with no money down through Xavier and refinanced thrugh him as well. We we're about to refi with another loan officer but Xavier called right on time and got us a much better deal!
The Ochoas


Thanks for an easy refinance transaction.
A. San Vicente


For my next purchase I will be sure to contact you, thanks again for your assistance.
J. Sanchez


Thanks for helping me on my credit needs, once I am ready to purchase I will call you.
T. Woods

Our refi with Xavier went very well, I hope we can come back to you in a year.
The Acevedo's

Thanks for all your help in my refi, I hope I can use you again in the near future.
M. Bastedo


We've refinance with Xavier two times and plan on doing one more once we are ready. Xavier has been extremely pleasant to work with and he is very knowledgeable as he offered several loan option.
A. Cowart

 

 

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