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), CO, FL

Rated 5 out of 5
24 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
March 28, 2022

Raul is very responsive and kept us on track. In past refinances we’ve had agents who were initially responsive and then drop the ball after we’re in process. I think our total time to close was under a month, which is how it should be. Thanks Raul!

Reuben B. L.
Rated 5 out of 5
November 24, 2021

He was on top of things from the very beginning. When I had a question on what something was or what I needed to, he responded quickly and everything went smoothly. He got me a terrific rate that was 1/2 of what I had originally. I would highly recommend using his services.

Tammy Z
Rated 5 out of 5
July 16, 2021

Raul was great to work with for our refinance. He was always available to answer questions and was very efficient in moving us through the process – we closed 2 weeks after we locked our rate. Would definitely work with him again.

Rated 5 out of 5
June 7, 2021

Raul was very nice to work with!! He was very responsive and was very patient with all my questions. He made the entire process very easy and transparent.

Rated 5 out of 5
June 2, 2021

Raul was great. Very responsive and easy to work with. By far the easiest Refi I have done.

Jason Hoffman
Rated 5 out of 5
May 24, 2021

Was very nice and helpful!

Radmila Runic
Rated 5 out of 5
May 11, 2021

Raul was very responsive over email. The refinance process was easy and seamless.

Dorothy L.
Rated 5 out of 5
April 20, 2021

We got great rate, and the process was easy! Thank you to Raul and Selfi

Gerard mckearin
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
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