Mark Ramirez

About Mark Ramirez

Mark Ramirez is a seasoned professional with over three decades of experience in the mortgage industry. He began his career in backend operations, gaining comprehensive knowledge of the loan manufacturing process before specializing in Capital Markets and Technology. Mark is also a licensed originator in 10 states (and growing) and using his many years of experience crossing between mortgage and technology to provide the best experience for his borrowers that the industry can offer.

FHA vs Conventional Loans: Which is Better for First-Time Buyers?

Explore the differences between FHA and conventional loans to determine the best option for first-time homebuyers based on financial profiles.

By Mark Ramirez|2025-03-07T06:13:37+00:00February 22nd, 2025|Mortgage Preparation|0 Comments

Mortgage Pre-Approval Checklist: Documents You Need

Prepare for mortgage pre-approval with this essential checklist of documents needed to secure your financing and make confident offers.

By Mark Ramirez|2025-03-07T05:58:57+00:00February 20th, 2025|Mortgage Preparation|0 Comments

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ask@homeloanagents.com

949 S. Coast Drive
Suite 240
Costa Mesa, CA 92626
Branch NMLS #1086654
Corp NMLS #34381

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We are licensed in the following states:

Arizona: Licensed Mortgage Banker - License #1034683.
California: Licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act. License #CA-DBO1192984.
Colorado: Mortgage Company Registration - License #100520774.
Idaho: Mortgage Broker/Lender License - License #MLO-2081192984.
Florida: Licensed Mortgage Lender - License #LO105507.
Nevada: Licensed Mortgage Banker - License #77438.
Oregon: Mortgage Lender License.
Texas: Licensed Mortgage Banker.
Washington: Consumer Loan Company License - License #MLO-1192984.
Wisconsin: Mortgage Banker License - License #1192984.

NMLS Consumer Access: For more information about United Fidelity Funding Corp dba HomeLoanAgents and its licensing, visit the NMLS Consumer Access website.

Texas Mortgage Banker Disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.