Edgar ramirez

loan officer | NMLS# 1689073

I've spent years working in the top banks of the nation! With working in the financial industry and the real estate industry, with my experience I've had the opportunity to help so many families become homeowners. From helping people with Purchases or Refinances, we have managed to come in with as much as NO MONEY DOWN!!

In addition to conventional, FHA and VA loans, I’ll share my knowledge of Jumbo loans, financing for self-employed borrowers and high-balance loans. If you’re recovering from a recent foreclosure or bankruptcy, one or more of our portfolio loan products may help you buy another home now instead of later. And if you’re looking for a little help with buying a home, ask me about local down payment assistance programs and HARP refinancing (up to 150% LTV).

Feel free to contact me with any questions in regarding buying a home or in the near future. Let's make you a homeowner and find the best financial solution that works for you!

Refugio Parra

loan officer | NMLS# 2631335

Before stepping into the world of lending, I gained valuable experience in wealth management, helping clients make smart investment choices. I also worked in consulting, where I strategized solutions to complex financial challenges and in data analysis, where I uncovered insights to support better decision making.

I also hold a Bachelor's degree with a major in Finance from San Jose State University. With a degree in finance, I combine my academic background with real-world experience to provide personalized solutions for every client. Whether you're purchasing your dream home, or exploring options for your next big investment, I’m here to guide you every step of the way.

I look forward to working with you and making your financial dreams a reality.

Chris Ristau

loan officer | NMLS# 366810

Finding a client is just as hard as finding a REALTOR. We must have many of the same values. A few of mine are integrity, a caring nature, and honesty which I feel are most needed to be able to help each other. By integrating personal touch and technology, I strive to give my clients the best possible experience. Technology is changing rapidly, and I use it to help position my clients to be ahead of the game.

My style is different than most; I love to have fun and enjoy conversations with my clients. I use an expectation approach, so everything is in the open and there are no misunderstandings. I believe in building friendships and not just business relationships.

I enjoy making a positive impact on others' lives. I've worked for Sleep Train for ten years running their top store. I did this by leading a team to break numerous records, while helping people perfect their sleep. Now I'm ready to help you find your perfect home!

Something you would never know if you didn't know me: I believe that one day, by hard work and taking care of people, I will be able to write a successful book that kids will read in school. This book will be a story of someone who had no diploma or degree but chose the path of success. It will show that helping others and giving back will always WIN!!!