About Arlette Ramirez
Sales Manager
With nearly 15 years of experience in the mortgage industry, I am proud to have helped countless families across South Texas achieve their dream of homeownership. As a dedicated mortgage loan officer, I specialize in guiding borrowers through the complexities of the loan process with expertise, transparency, and exceptional customer service. Over the years, I have developed a deep understanding of the South Texas real estate market and the unique needs of our community. Whether you’re a first-time homebuyer, upgrading to your dream home, or refinancing, my goal is to tailor mortgage solutions that fit your financial goals and lifestyle. I take pride in being a trusted advisor who prioritizes clear communication, responsiveness, and personalized service. With a commitment to making the homebuying journey as smooth and stress-free as possible, I work diligently to ensure my clients feel confident every step of the way.
Timing Is Everything
We’ve streamlined the process to make for an easy, stress-free and quick experience.
Speak with a
Loan Officer
We know how important it is to speak with someone about your concerns. Someone who will be able to answer all of your questions. That's why most of our loan officers are experienced and will guide you through the process.
Apply
Online
The Homecomings "Go Fund" app lets homebuyers apply from anywhere and anytime! The best part is, your loan officer is immediately notified that your application is ready to go!
The
Process Begins
Your loan officer will do an initial review to make sure your application is 100% complete. Then let the process begin!
Loan Approved and
Ready to Close
In most cases, Homecomings will close your loan in 22 days or less. And you are now ready to "Come Home!"
Loan Processors
Get To Work
The loan processor will review the file. Then coordinate with you to satisfy, if any, outstanding conditions requested by the underwriter.
All Loans Get
Underwritten Upfront
Every loan we receive goes immediately to underwriting. So you can have a "TRUE" loan approval in less than 48 hours from submitting your online application.
It's Always Good to Have Options!
Homecomings has programs for every situation – from first-time homebuyers to seasoned investors – we’ve got you covered!
2/1 Buydown
An agreement that provides for a low interest rate for the first year of the loan, a somewhat higher rate for the second year and the full rate for the third year and beyond.
Level-Up Loan
A program designed to help First-Time home buyers "Level Up" from renting to owning their own home.
Cash Cow Home Refi
Use the equity you have built in your home to consolidate high interets credit cards and create more cash flow every month.
Conventional Mortgage
Conventional loans are perfect for buyers with established credit, stable income, lower debt-to-income ratios, and assets.
FHA Mortgage
Some benefits of FHA loans are low down payments, low closing costs and easy credit qualifying.
VA Mortgage
You’ve served our families. Now it’s our turn to serve yours. VA loans are available to active and veteran service personnel.
USDA Mortgage
In 2009 the USDA changed its rules and made millions of Americans eligible for its rural mortgage programs. With the USDA loan, many are able to get a zero-down home loan for rural property. Ready to get your little slice of the US?
JUMBO Mortgage
Have a big project, home purchase, or investment in mind? Get access to loan amounts up to $10,000,000. Qualify with credit scores as low as 680, and put down as little as 10%.
Non-QM Mortgage
You might not fit the traditional mold, and that’s okay. We offer many out-of-the-box loan options and non-QM programs. Portfolio lending, home equity loans, commercial loans, bank statement programs, and much more!
Home Renovation
Thinking about a fixer-upper? Renovating a home can be an exciting process, and with several great loan options, we can guide you in the right direction and find a Reno program that checks all your boxes.
Rave Reviews
Join Our
Delighted Family
Whitney Hall was our loan officer. We lived in Michigan and moved to Florida. He did an awesome job getting all the paperwork ready for us long distance. He definitely goes the extra mile. I would definitely recommend him !
Margie
Whitney and his team were amazing and professional. Another lender was giving us the run-around and he took over. Within a month, we were in our beautiful new home. I would recommend him and his team to everyone! They will make it happen.
zuser201602160831542
Joe is always available everytime I need some advice and explanation. Very easy to approach and patient on every step of the way.