"Ramon did an awesome job of keeping me informed and explaining what can be an overwhelming process. As a first-time home buyer this was very important to me and I came away from the experience very satisfied." Stephen, San Diego, CA
"Simply the best lender on the market. I got an unbeatable deal in both interest rate and closing costs. Even my tax preparer was surprised by the deal I got. I have also recommend Ramon to 2 of my coworkers that are looking for a home." Alberto, Fullerton, CA
"We have done three home loans with Ramon at 21st Century Financial and could not be more please. We did one conventional loan purchase, a refi and a VA purchase, all three went smoothly and efficiently. The costs were in line with estimates and all loans closed at the promised time. Ramon and his team were always available to answer questions and they kept us informed during the entire process, you will be well pleased with his services." Tom, Oceanside, CA