RICHMOND

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #23734112+ Years ExperienceLicensed Nationwide
    565+
    Loans Closed
    12+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Alex Ramirez

    Branch Manager

    Visit their site
    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
    →
    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 140 families & counting

    ★★★★★4.9140 verified reviews
    "
    Alex understand all the needs that we have when we applied for a loan and he makes the process easy
    Cesar R.
    Everett, WA · via Jose Alexis Ramirez Jimenez
    July 2026
    "
    Alex and his team his team are great to work with. Excellent communication throughout the process. They are the only team I work with and that I recommend. Looking forward to working with them again. Thank you, Alex.
    Isel T.
    Snohomish, WA · via Jose Alexis Ramirez Jimenez
    July 2026
    "
    Alex is great at explaining every step of the
    Alexis G N.
    Richmond, CA · via Jose Alexis Ramirez Jimenez
    March 2026
    “
    Mucha paciencia y muy buena comunicacion muy buen servicio
    Cecilio S.
    Everett, WA · via Jose Alexis Ramirez Jimenez
    March 2026
    “
    Alex has been amazing when it came to refinancing our home. He was always available, always knowledgeable and always willing to go the extra mile for us. I'm very happy with his help and will definitely seek him out with our next home or refinance.
    Cesar S.
    Modesto, CA · via Jose Alexis Ramirez Jimenez
    March 2026
    “
    Alex goes above and beyond to help his clients
    Brittany Renee T.
    Graham, WA · via Jose Alexis Ramirez Jimenez
    January 2026
    “
    Alex & Rosa were very helpful with our loan
    Maria C.
    Granger, WA · via Jose Alexis Ramirez Jimenez
    November 2025
    “
    The customer service I received from Alex and his team was awesome. Thank you
    Juan R.
    Prosser, WA · via Jose Alexis Ramirez Jimenez
    November 2025
    “
    Thank you, Alex for always sharing your professional knowledge and expertise. It was incredibly helpful when you explained the new loan options, and we really appreciate your patience in walking us through everything. You are great at what you do and we didn't want your expertise to go unnoticed! Thanks again!!! The Romero Family
    Veronica R.
    Prosser, WA · via Jose Alexis Ramirez Jimenez
    November 2025
    “
    the important thing throughout the entire processwas that we ad good communication and he always availlable to give me informations .
    Arnulfo E B.
    San Pablo, CA · via Jose Alexis Ramirez Jimenez
    October 2025
    “
    Alex's made the process easy and fast to purchase a house and whenever we had questions he had an answer to it.
    Juan Jose S.
    Fairfield, CA · via Jose Alexis Ramirez Jimenez
    August 2025
    “
    Very knowledgeable and friendly. Overall made the experience an easy and pleasant one.
    Joanna L D.
    Fairfield, CA · via Jose Alexis Ramirez Jimenez
    August 2025
    “
    Alex was available to find the right loan for me and he also look hard to find me the better rate at that time even with my situation that was kind of complicated,he and his team were comunicating every stage of the process until we closed. I'm defintly recomend Alex and I will look forward to keep working with him at future loans.
    Cesar R.
    Tulalip, WA · via Jose Alexis Ramirez Jimenez
    July 2025
    “
    Alex is great. He is the only kender I will ever use and recommend. Thank you, Alex.
    Isel T.
    Snohomish, WA · via Jose Alexis Ramirez Jimenez
    June 2025
    “
    Alex and Rosa were very professional and helpful throughout the process.
    Mateo Z.
    Lacey, WA · via Jose Alexis Ramirez Jimenez
    May 2025
    “
    Working with Alex Ramirez and Rosa was an absolute pleasure!. The team went above and beyond, making the real estate process smooth and stress-free. If you’re looking for a phenomenal Broker Agent who understands the local market, we highly recommend them!”
    Yasmin C.
    Fairfield, CA · via Jose Alexis Ramirez Jimenez
    May 2025
    “
    The support and proactive updates throughout the process were great! Both Rosa and Alex were super helpful through the process!!
    Liane Lois P.
    Folsom, CA · via Jose Alexis Ramirez Jimenez
    April 2025
    “
    Rosa Guerrero, our Loan processor, was amazing!!! She did a great job staying on top of our loan and communicating for us. Alex, thank you.
    Ignacio Javier G.
    Folsom, CA · via Jose Alexis Ramirez Jimenez
    April 2025
    “
    Alex is always in communication and answering all questions and calls. Very good service. Alex, thank you for helping us throughout this process.
    Luis Noe M.
    Bonney Lake, WA · via Jose Alexis Ramirez Jimenez
    April 2025
    “
    Fast, friendly, excellent service from Alex Ramirez. Always looking out for the best deal for his client. Would definitely recommend.
    Maria Cecilia R.
    San Pablo, CA · via Jose Alexis Ramirez Jimenez
    March 2025
    “
    communication, fast response to my questions
    Salvador Gilberto P.
    Oakland, CA · via Jose Alexis Ramirez Jimenez
    January 2025
    “
    amables respetuoso y listos para ayudar en lo que necesito
    Artemio B.
    Snohomish, WA · via Jose Alexis Ramirez Jimenez
    December 2024
    “
    Excellent person, he was always on top of everything.
    Maria E C.
    Cle Elum, WA · via Jose Alexis Ramirez Jimenez
    December 2024
    “
    just everyone being very patient with me and my mother. were older and getting all the documents together was sometimes challenging And Alex and his team were very kind and patient with us. They made eve easy and smooth.
    Sharon Rene F.
    Dixon, CA · via Jose Alexis Ramirez Jimenez
    November 2024
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    Our Branch

    Richmond

    American Financial Network · NMLS #237341

    Address
    3260 Blume Drive, Suite 405
    Richmond, CA 94530
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
    Get in Touch

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