Anna Maria Ramilo
VP of Mortgage Lending

“The greatest reward is seeing my clients happy and grateful when they’ve finally found someone who is willing to help them through each step of the journey and treat them with the integrity they deserve.” Over the last 18 years, Anna Maria Ramilo has been helping others turn their dreams of home ownership into reality. She began her career in the mortgage industry in 1999 and since then has helped hundreds of clients obtain financing or refinancing for their dream home. As a seasoned expert in the mortgage industry, Anna knows that every borrower has different needs. She guides each of her clients through every step in the loan process and provides them with everything they need to be successful. As a valued client, you will receive all the support you need in choosing and applying for the loan that best fits your financial picture. Anna is familiar with all aspects of the mortgage loan process and will help make even the most complex transactions seem easy and attainable. Her commitment to excellence has helped her to earn accolades including Loan Officer of the Year and a consistent recognition as a Top Producer. The process of getting approved for a loan can be complicated and intimidating. But it doesn’t have to be. Bringing almost two decades of experience in the mortgage loan process, Anna enjoys going the extra mile for her clients and helping them have the best experience possible. Whatever your loan needs are, Anna’s experience, passion and commitment to customer service makes her the best choice to help you take the first step on the path of home ownership. Outside of the office, Anna enjoys taking walks and reading. She also loves to stay involved and serves as the assistant treasurer at her local church where she also helps lead the women’s group. Contact Anna at 469-399-5579 today to get started!

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.