The NEW approach to your mortgage.
At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.
Schedule your dreams & goals call
Kate Ramirez
Mortgage Advisor | NMLS# 1183148
Originally from Brazil, I moved to the United States at the age of 16 and discovered early on a deep passion for guiding others through meaningful life milestones. Since entering the home lending industry in 2014, I have dedicated myself to serving homebuyers with integrity, excellence, and heart.
I am passionate about creating strategic buyer initiatives tailored to each client’s unique needs and goals.
I have a strong commitment to delivering value and a seamless loan experience. I like to combine professionalism with a personal touch. My clients appreciate my clear communication, reliability, and the genuine care I bring to every interaction.
I am fluent in English, Spanish, and Portuguese, and I'm currently learning Italian. I am well-equipped to support a diverse range of homebuyers and provide an inclusive lending experience.
Outside of work, you’ll find me enjoying quality time with my family and friends. I am a huge music lover with a deep appreciation for nature, travel, good books, and anywhere with a beach.
OUR PROCESS
Step 1
Discovery
We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.
Step 2
Strategy
We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.
Step 3
Execution
We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.
Step 4
Wealth Maximization
Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.
The closing of your loan is just the start of our relationship.
