Clovis | Omar Ceja

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Isaac Ramirez
Branch Manager
NMLS #1776433
Phone: 559-824-2891
isaac.ramirez@bancorp.com

Temporary Office
7522 N Colonial Ave Ste.
110 Fresno CA 93711
Branch NMLS: 1593425

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Creating smiles since 1989.

Founded in 1989, Resban is committed to making the home-buying experience simple and enjoyable for its customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success, Resban is poised to become a leader in the mortgage lending sector. Led by talented, visionary executives, our experienced and knowledgeable associates provide superior customer service to our consumers, realtors and builders.

Branch Info
Fresno Office:
7522 N Colonial Ave Ste. 110
Fresno CA 93711

Team

Isaac Ramirez
Branch Manager
NMLS #1776433
isaac.ramirez@bancorp.com

Celeste Ruiz
Loan Officer Assistant
559-706-7722
celeste.ruiz@bancorp.com

Tony Morales
Loan Originator
NMLS #2145989
tony.morales@bancorp.com

Omar Ceja
Loan Originator
NMLS #2067336
omar.ceja@bancorp.com

Efrain Vazquez
Loan Originator
NMLS #2000558
efrain.vazquez@bancorp.com

Programs

FHA Loans
The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories.

Conventional Loans
A conventional loan is a loan backed by either Fannie Mae or Freddie Mac, the two entities which comprise the Federal Housing Finance Agency (FHFA). More than half of all new mortgage loans are conventional loans, which include special mortgage programs such as the HomeReady™

VA Loans
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

  • FHA Loans
  • VA/Veteran Loans
  • FNMA / FHLMC Conventional
  • 203K Limited
  • USDA Rural Housing
  • HUD Repair Escrow
  • Good Neighbor
  • FHA Streamline
  • NO FICO Underwriting FHA
  • DU REFI Plus
  • Manual Underwriting
  • Home Equity Line of Credit
  • Mortgage Credit Certificate
  • Manufactured Housing
  • JUMBO Loans
  • Home Ready Programs
  • … and many more

About Resban

Founded in 1989, Resban is committed to making the home-buying experience simple and enjoyable for its customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success, Resban is poised to become a leader in the mortgage lending sector. Led by talented, visionary executives, our experienced and knowledgeable associates provide superior customer service to our consumers, realtors and builders.

Company Values

Integrity

In all of our dealings with our fellow associates and customers, we pledge to do no harm, and to conduct ourselves at all times in accordance with our stated values. One of our organization’s core values is Integrity; and Resban is committed to the guiding principles of fair, equitable and responsible lending. We believe that all creditworthy customers should be treated fairly, equally and have nondiscriminatory access to credit.

Experience

There is no substitute for real life, hands-on experience when it comes to mortgage lending. We make sure our associates have the knowledge and experience to ensure that our customer’s loans are processed, underwritten, closed and funded efficiently and accurately from application to post-closing.

Service

At Resban, we know that our continued success is dependent upon providing both our internal and external customers with best-in-class customer service. Whether it is our commitment to meeting and exceeding turn-time expectations for our branches, or closing our customer’s loans accurately and on-time, we demonstrate that excellent customer service is not just a goal, it is truly a core value.


©2021 Mission Loans, LLC – Corporate NMLS ID #210853 located at 5686 Dressler Road, NW, Canton, OH 44720. All rights reserved. Doing business in the State of California as Resban. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, license #4131217. For all licenses, visit http://www.nmlsconsumeraccess.org/. Residential Bancorp strives for compliance with all applicable state laws and federal regulations pertaining to mortgage lending, advertising, and marketing laws. THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change and/or discontinuance without advance notice. Equal Housing Opportunity.

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In accordance with Section 326 of the USA Patriot Act of 2001, Residential Bancorp NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.
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