Stephanie S. Ramirez, Mortgage Loan Officer at House Hat Loans powered by Barrett Financial Group
Stephanie S. Ramirez, Mortgage Loan Officer
House Hat Loans powered by Barrett Financial Group
Phone: (832) 814-9496
Email: [email protected]
NMLS# 2472478
Company NMLS# 181106
Licensed in: TX
Stephanie San Luis Ramirez | NMLS #2472478 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | TX view complaint policy at www.barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
Loan Programs · NMLS #2472478
Conventional, FHA, VA, USDA, jumbo, refinance, ITIN, and Non-QM each serve a different kind of home and borrower. Stephanie S. Ramirez walks the tradeoffs in plain language so the structure fits the property, occupancy, and underwriting — not a brochure headline.
The programs
Eligibility depends on credit, occupancy, income, property type, and underwriting. Nothing here is a rate, a guaranteed approval, or a promised down payment.
Stephanie S. Ramirez
Mortgage Loan Officer · NMLS #2472478
How we choose
A villa, a first starter, a VA-eligible bungalow, and a jumbo on the edge of town are not the same file. I look at occupancy, credit, reserves, and the property itself — then we pick the program that can actually close, without inventing a down-payment number or an approval you have not earned yet.
Start a conversation, run a payment estimate, or upload another lender’s loan estimate so we can compare structures side by side.
House Hat Loans powered by Barrett Financial Group
Contact
2701 East Insight Way, Suite 150 Chandler, AZ 85286
Explore
Stephanie San Luis Ramirez | NMLS #2472478 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | TX view complaint policy at www.barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org