GuaranteedRate Logo

Ramon Santiago

VP of Mortgage Lending
1861 California Ave, Ste 102, Corona, CA 92881
Contact Ramon
NMLS: 263424
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

I have had the pleasure to work with Ramon over a few deals that were near and dear to my heart. Roman did an outstanding job of guiding them and informing them of all that was required to complete the transaction. Roman worked flawlessly throughout the whole lending process in keeping all sides to the transaction informed and happy. The proof is two very happy homeowners and one ecstatic Realtor. Definitely will use Ramon in the future.

Rosina - Realtor at Century 21

Ramon was very easy to work with and his professionalism instilled confidence in me knowing that he would get me the very best result possible. He not only responded to my inquiries in a timely matter, but did so in a manner which demonstrated his expertise.

Abel S

Ramon visited a new home development I was marketing in Riverside. While he was visiting, a Spanish speaking family arrived and Ramon accompanied us while we toured the model homes. I encouraged him to interact with the family, and I was continued to be impressed with his abilities. Later I asked Ramon to research financing programs for first time buyers for the community. In less than a week he returned with the information and materials and showed us how to explain the programs to prospective...

David M

Ramon is exceptional in his field! His services were carried out in a timely and professional manner. I was able to reach him at all times and was given regular updates on the process. His assistance to my organization was invaluable and I have gone on to recommend him highly to all other business owners and business associates.

Brandee H

Ramon, I just wanted to thank you for all of the hard work you put in to the process of my loan. I appreciate the fact that you got back to me so quickly when I had any questions or concerns. It was such a pleasure working with you, I'm moving into my dream home this weekend. You certainly made the transition a much smoother one, again thank you. I will definitely have referrals coming your way!

Mary G

Ramon is an absolute asset to my business! We have successfully closed several transactions together and I can honestly say that all of the transactions went smoothly. In real estate everyone needs someone that they can trust and that person is Ramon. He makes time to give everyone that individual touch.

Ben R. - Remax Partners

Thank you so much for helping us when no one else could. I went to 5 or 6 different brokers, and they all said they could help, but when it got down to the very end there was always an excuse as to why the loan wouldn't close. My wife and I wasted months of time and a lot of tears during this process. We were blessed to find you. You said you could do the loan, and YOU DID! You were patient and you treated us with respect throughout the entire process. You put out all the little fires that...

Chris P

About Ramon

My introduction into mortgages and real estate began over 12 years ago when an injury caused me to change carreers from a manager at a retail home improvement chain to where I am today. But it is much the same, it's a business of customer service and delivering on a promise. My approach to mortgage lending is a consultative process. I believe that it is my responsibility to give my clients all the viable options to their mortgage loan and guide them to the best possible solution. I give into the mantra that each transaction is an opportunity to build a relationship with my client as well as to the other parties of the transaction. Be it the listing agent, escrow, title, etc. to get to the ultimate goal of a closed escrow and a satisfied client. You can get a loan anywhere but with me you will get an exceptional mortgage experience that you can brag about.

A little about me and my family. I am a father of two wonderful children, a son and a daughter, and a husband to my wonderful wife of 21 years. We reside in southern California and love to experience new things. We attend all kinds of festivals and events and share a love of great food. We also enjoy Polynesian & Tiki Pop culture of the present and past.

Ramon interview Q&A

Who is your typical customer and what questions do they typically have?
I can honestly say that I do not have a typical customer that each customer is unique in their needs and to what is important to them. My job is to actively listen and tailor a program for them and their situation. Questions I do commonly receive are: How much do I need for down payment? Do I need to pay off my credit cards? What FICO score do I need to purchase a home?
What advice would you give new or first time home buyers?
The advice I would give new or first time home buyers is to take each day in stride and to look at your Mortgage Professional and Realtor as your pilot and co-pilot. Just as a airline pilot has your best interest to get you safely to your destination on time. You might think I don't see what the pilot does directly during the flight but you do see the effects and the arrival. Now you might be thinking my job isn't quite the same as the airline pilot; but maybe it isn't all that different either. While I manage the routine parts of your Mortgage Real Estate transaction, if and when needed, I am a problem solver of the highest degree. In a typical Mortgage Real Estate transaction, Iým at work behind the scenes keeping things running smoothly. Youýd be surprised how many times I have to call the other listing agent or title or someone else to make sure they didnýt forget to pay attention to what theyýre supposed to be doing for you. At other times Iýll be moving paperwork back and forth between people to make sure your realtor has everything they need or for inspections or for lots of other reasons. If a challenge arises, that is when I am ready to go into emergency mode, just like an airline pilot and trust that we will get you to your final destination, the destination of homeownership.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Great Smart Apps I recommend for the homebuying process are: 1st and foremost the Guaranteed Rate smart app. It allows you to get current interest rates, a mortgage calculator to figure out payments, and also apply for a loan via your phone or tablet. 2nd 3rd TheOpen
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfaction I recieve my from my job is seeing the smile on my clients faces when they recieve the keys to thier home.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love collecting vintage tiki and mid century memorablia and attending Polynesian Tiki Pop conventions. I visit flea markets, thrifting and yard sales to find these treasures in the wild. There's nothing like a great tiki bar to hang out and enjoy the company of friends. I also make a excellent Mai Tai and Painkiller tiki cocktail.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now