Esmeralda Ramirez brings more than 15 years of mortgage expertise to Team Heard in this ever-changing market. In addition to being a top Loan Partner, she has also vast experience as a loan processor with knowledge in all types of loans including Conventional, FHA, VA, USDA, Jumbo, and more. Her dedication to providing an exceptional experience to the borrower is what sets her apart. Friendly and responsive communication throughout the entire loan process is what our clients like most about working with Esmeralda.  She treats every transaction as a priority and manages them with honesty and determination. Hablo español.