Raul Ramirez

Moraga, CA

NMLS# 952652

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17 years of mortgage experience.
5 years of real estate agent experience.

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B.A. California Miramar University

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CA (DRE 01424557)

Rated 5 out of 5
16 customer reviews
Very good0%


Raul brings a wealth of mortgage and real estate experience to each client interaction. Prior to SELFi, Raul was a top producing mortgage banker at Bank of America. While there, he saw first-hand how inefficiencies can result in higher interest rates and unnecessary fees for consumers.

Raul joined SELFi because he was inspired by the mission to educate consumers to obtain better terms on their mortgage and leverages the FinTech platform to help each clients reach their financial goals sooner. Raul is bilingual and is fluent in Spanish. Estoy comprometido a ayudarlo a obtener los mejores términos en su hipoteca.


Client Reviews

Rated 5 out of 5
April 8, 2021

I had the pleasure to work with Raul on my refi. And, although it took 2months, it was due to the fact that we had solar panels. Raul, took charge in assisting with the required documents needed from our solar company. He was very communicative with me throughout the process. He provided a professional, calm response when I started to feel stressed out. He is a great loan officer, that demonstrates integrity, compassion and knowledge. He is wonderful to work with. Thank you, Raul!

Michelle Morris-Adams
Rated 5 out of 5
April 3, 2021

If not for Raul, I wouldn’t have not refinanced, I would have just stopped at prequalifying. He was very helpful and educated me on every single thing that I asked him about. Because of this, there were no surprises, and we closed earlier than planned. Everything went smoothly. Raul is one of the reasons why selfi is the future of refinancing. Thanks again Raul and God bless!

A. Almeda
Rated 5 out of 5
April 3, 2021

Very easy refi process.

Peds Zabala
Rated 5 out of 5
April 1, 2021

Raul is very professional , knowledgeable & friendly personality. Responsive & quick to return feedback/updates both emails and calls on time even after hours. I will refer Raul to all my family & friends.

Richard. N
Rated 5 out of 5
March 29, 2021

Just did a refi with Raul. Prompt answers to questions I had and made process easy. Would definitely use him again!!

Jeff Davisson
Rated 5 out of 5
March 23, 2021

Super responsive and easy to work with. Made the refi process painless and not stressful. Would recommend!

Rated 5 out of 5
March 16, 2021

Raul was so helpful all throughout the process. This was my 3rd refi, and it was the easiest by far, plus with SELFi we saved a ton of money! Raul was super-responsive, and it was so great to be able to do everything virtually. Thank you!

Melissa Dinwiddie
Rated 5 out of 5
January 19, 2021

I did refinancing three times this year with different lenders, so I know how things work in this mortgage world. I have worked with many mortgage bankers, and I can tell you with honesty and confidence that Raul was by far the best of best. I was so impressed by his responsiveness, care for details, patience and open mind for all my numerous questions and requests. He is the best mortgage professional I have ever worked with. The whole refi process went as simple and smooth as it could be. Yes, I’m a picky buyer and he exceeded my expectation in every aspect. Thank you Selfi team and thank you Raul. I hope to have another opportunity to work with you.

Jin H.
Rated 5 out of 5
January 19, 2021

Raul was amazing to work with. He answered all of my questions and helped me navigate the refinance process. We had a complicated scenario but even so, Raul was knowledgeable and helped us out along the way. I was incredibly impressed with both his responsiveness and ability to respond at any hour of any day. The Selfi rates are transparent and better than anything else i found while searching. We will surely finance our next home with them as well.

Matt v
Rated 5 out of 5
November 17, 2020

I am typically very skeptical, especially with companies I have not heard of before. But I did my research and everything led me to believe that I could trust SELFi. Joseph was extremely responsive and addressed my concerns immediately. He introduced me to Raul, who couldn’t have been more helpful and knowledgeable – and QUICK- to get me through the process! From start to finish, it was by far the easiest and quickest refinance I’ve ever done, and I am thrilled with the results! Thank you Raul (& Joseph) for the excellent experience!

Karen Eddy
Rated 5 out of 5
November 9, 2020

Raul was amazing and such a pleasure to work with. This was my first Re-Fi and he was there to answer all of my questions along the way. He was very responsive and knowledgeable. I would highly recommend Raul and SelFi for your next refinance as the process is extremely easy and Raul helps walk you through the whole process.

Jason R.
Rated 5 out of 5
October 17, 2020

I was a client of Raul’s for a refinance. Raul was amazing! He was very knowledgeable, always available and answered every one of my million questions with the patience of a saint. I could not have had a better experience with this process. I very highly recommend Raul, he is great!

Marianne Thompson
Rated 5 out of 5
October 16, 2020

I looked around several brokers for my refinance and Raul gave me the best offer. All processes were transparent and quick. I highly recommend him.

J. Lee
Rated 5 out of 5
October 16, 2020

Trying to Refinance during the 2020 Pandemic was tricky, especially when you are Self Employed. Raul and I had many discussions and he navigated all the extra steps required by lenders, and proactively got me a lower rate even after we locked. Raul, was always responsive, and even answers his cell after hours! Great Outcome overall! Thanks Raul!

E. Chang
Rated 5 out of 5
October 16, 2020

I cannot ask for better experience than what Raul has provided us! He is super responsive and professional. I never hesitated to rely on his knowledge when making my decisions. The entire refi process was so smooth and efficient. I am so glad I had opportunity to work with Raul and SELFi. I look forward to more future opportunities to working with them!

Jing Hanson
Rated 5 out of 5
September 12, 2020

Working with Raul was great. What I liked most about Raul was how responsive he was. He was very quick to respond to any questions or concerns throughout the week. He definitely made the process very easy and painless.

Ortencia Lopez De Vargas
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