The Ramos Financial Group
The Ramos Financial Group
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    • Home
    • Tax Services
    • 2026 Tax Calendar
    • IRS Forms & Links PDF
    • Client Support Services
    • Insurance Services
    • Loan Services
  • Home
  • Tax Services
  • 2026 Tax Calendar
  • IRS Forms & Links PDF
  • Client Support Services
  • Insurance Services
  • Loan Services

MEET THE TEAM

Your path to homeownership starts here. We help you explore loan options, get pre-approved, and move forward with clarity and confidence.

“My goal is to make every client feel supported, understood, and confident”
Mortgage Loan Originator

Brenda Rosales - NMLS#2585033

“My goal is to make every client feel supported, understood, and confident — because  getting the keys to your home should be exciting, not stressful.” 

"Hablo Español"

Contact Brenda

📞 Phone: 209-354-0117

📧 Email: brenda@nextgenhomeloans.com




Find out more
Mortgage Loan Specialist

Diana Gudino-Criswell NMLS #1112409

“Diana believes every family deserves a place to call home, and she’s committed to making the journey simple, stress-free, and empowering.”


Contact Diana

📞 Phone: 209-499-3950

📧 Email: dgudino-criswell@s1l.com



Find out more

Home Buying, Refinancing, & Pre-Qualification

Loan Services

Buying a home or refinancing shouldn’t feel overwhelming. Our trusted loan specialists, Diana & Brenda, guide you through every step — from pre-qualification to closing — with honesty, clarity, and personalized support. Whether you’re purchasing your first home, upgrading, or refinancing, we’re here to make the process smooth and stress-free.

Pre-Qualification

  • Free Loan Pre-Qualification
    Find out how much home you can afford before you start shopping.
  • Credit Review & Guidance
    We help review your credit profile and create a plan to increase approval chances.

Home Loan Programs

  • FHA Loans
    Great for first-time buyers with flexible credit options.
  • Conventional Loans
    Competitive rates for buyers with strong credit.
  • VA Loans
    Special financing benefits for qualified military members & veterans.
  • USDA Loans
    Zero-down programs for eligible rural-area homebuyers.

Refinancing Options

  • Lower Your Interest Rate
    Reduce your monthly payment with a better rate.
  • Cash-Out Refinance
    Tap into your home equity for renovations, debt payoffs, or major expenses.
  • Term Reduction Refinance
    Shorten your loan term and build faster equity.Meet Your Loan Team 

Lending Services

Quick pre-qualification to help you understand your buying power.

First-Time Homebuyer Programs

Support and access to loan options designed for new buyers.

Home Loans

Personalized mortgage options to fit your financial goals.

Refinancing

Lower your payment, lower your rate, or shorten your term with a refinance.

HELOC (Home Equity Line of Credit)

Use your home’s equity for renovations, debt consolidation, or major purchases.

Loan Consultations

One-on-one guidance to help you choose the best lending option.

Copyright © 2025 The Ramos Financial Group - All Rights Reserved.


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