Train and educate clients Quontic Wholesale Portal, programs, products, and processesUtilizes business development skills to establish new businessDevelops and implement relationship strategies, satisfying customer needs through a full array of products and services

• Assisted Commercial brokers, Business Brokers, and ITIN Borrowers in securing loans for Multifamily and Private Money Lenders.• Collaborated with Mortgage Brokers to streamline loan processes and ensure timely approvals.• Developed strong relationships with Foreign Nationals to facilitate smooth lending transactions.

Business Consulting for Modern Mortgage and Realestate Industries. 🐴🍀 Open to fashion, tech and hospitality, and 🧳 travel. Hands on training, AI technology and recruiting! Henry has 3 stages :Henry 2.0 - High Earnings Not rich yet Henry 1.0- High energy not rich yet Henry Jr- just starting to be independent and interviewing at the real world 🌎 fresh out of college. Exclusive Creative writing ✍️ for TV commercial, advertising, sales and marketing for enterprise businesses, luxury brands, boutique businesses, health care, fashion, art, cryptocurrency, fashion and motivational goals branding.

Business Consulting for Mortgage and Realestate Services! Commercial and Residential Investment Properties, Auto Loan, SBA, Heloc and Land Loans

Merger and Acquisition US Bank

Interest Only loans also available Jumbo loans rates range from min Fico Score 680“We offer a fully underwriting approval”We love to work with new relationships for home builders / developers 🏡 large or small projects such as Condo, Townhomes and SFR as a primary or back up lender to provide fast,quality service to get the loan funded and close on time! We can only do take out loans FYI!!! We offer 5% down on high balance loan We offer FHA/VA and Down Payment Assistance CALHFA loan. VA Loan Program up to $1.5M volume We also offer mortgage benefits for Union Members, relocation and corporate benefits with gift referral! (Ask me for more information)I am never too busy with your referrals! My email : Joanna.L.Ramos@Wellsfargo.com

Family Owned for Four GenerationsFor over four generations, First Bank has enjoyed a legacy of strength, agility, and long-term perspective. Since 1910, we have remained dedicated to serving the communities in which we operate with an unwavering commitment.This commitment began over 100 years ago in a small, rural community in St. Louis to help local clients reach their financial goals. And, although First Bank has grown to be one of the largest family-owned banks in the country, the steadfast commitment to serving our clients—and treating them like family—still remains the same. From Main Street America to large-scale metropolitan areas, First Bank continues to be a vital part of the communities in which we serve. At First Bank, you’ll find the products and offerings typically only found with larger, publicly held financial institutions. Quite simply, we’re big enough to provide the products and services you need, but small enough to provide caring, personal service. At First Bank, our clients become part of the family.Our CommitmentIn a world where banks seem more similar than different, we stand apart. First and foremost, our independence and family ownership gives us an advantage to our larger, publicly held counterparts. Not only can we act quickly with an empowered team but, by being engrained with the local communities, can also be more responsive to your specific needs. As an independent bank, we’re fully committed to staying that way. We have stood shoulder-to-shoulder with our clients in both prosperous and challenging economic times. Not many banks can boast this level of commitment.Client FocusedOur clients know they can rely on us, even as the landscape of banking changes. First Bank continues to evolve along with it. We’re always working to stay one step ahead, delivering innovative banking solutions to you. We relentlessly work to make it easy to bank with us.

Acquisition

Acquisition About Us: Programs and ServicesNmls# 868529Single Family Homes 48 StatesMulti-family 48 StatesCondo Projects 48 StatesPrimary, 2nd Homes and Investments Modular/Mobile/ Manufactured Homes 48 StatesFHA,203K,USDA,VA Loans 48 StatesGrant Programs, Conventional and Jumbo Loans 48 StatesWe are unique because we are proud to be hybrid/direct lending and we can submit to wholesale lenders in 48 States *WOW*Purchase and Refinance in 48 States Our specialty new construction team will work with Builders and Real Estate Developers 100 units but not limited, we have an in house lending minimum down payment of 3.5% and you can even purchase a raw land and build from scratch for a customize home if you wish, we can offer 1 time close on Fha and Conventional ask me how for more info? we can set up an appointment in person or web presentation.Please know that my Team and I can be your main and or back up lender for your Builder Projects :) try us out we have a flexible and wide variety options for your clients needs, we can help you with small or big projects with guaranteed results! We also have in house processing, underwriting and especially I work direct with corporate processor’s as my main help. We can handle any challenging and turn down loans from other lenders. We at Capital Pacific Home Loans is the mortgage division for Gold Water Bank FDICWe have a quick turn around closings with stellar service, that is the reason why our client retention is great and they are happy with our service! Other Products Reverse MortgageCondo Projects-NON Warrantable OKStated Loans for Investment PropertiesCross Collateral LoanBridge LoanMixed Use Commercial 95% Jumbo Loans No MI Min 500 fico Email me for loan scenario or questions - jramos@goldwaterbank.com and jramos@capitalpacifichomeloans.com

Acquisition NLMS#868529New and Updated Programs : New Permanent Construction Loan, Renovation Loan,Jumbo Loan on Portfolio, Up to 10 Properties purchase and refinance except primary can be unlimited own homes, 80/10/10, Heloc,BMR financing purchase and refinance. Contact me for loan scenarios :)Niches• Interest only available for Primary, Second Home and Investment with no LTV reduction. Only 0.125% hit to rate• Cash out allow on NOO• Unlimited cash out on Primary residence up to LTV limits • Foreclosure Seasoning is still 5 years for all programs (except Expanded Criteria) – some lenders have increased to 7 years• Asset Income program uses a term of 84 months to calculate monthly asset income. Competitors are using 80 minus the borrowers age for the term to calculate monthly asset income This could give your borrower more monthly income for qualifyingExample:• Adjusted Qualified Assets $1,000,000 • MIY: 5%• Age 30BOC Portfolio Lending• Term: 84 months (7yrs)• Monthly Asset Income $14,133.91Competitor• Term: 600 months (80 minus 30 (borrowers age) = 50 year term)• Monthly Asset Income $4,541.39