Ronnie Esparza

Loan Officer

(831) 320-9328
[email protected]

NMLS: 1864073
336 Main St.
Salinas, California 93901
(831) 801-6088

State Licensing Information: CA-CA-DFPI1864073

My Reviews

4 Reviews

  1. KWard

    Ronnie and his team were very friendly and approachable. Any communications were handled quickly and professionally. I felt comfortable asking questions and he never made me feel stupid when I asked, some repeatedly. The whole team made the process easy and less frightening. Ronnie was able to get us in our home right before thanksgiving! We are so glad this is over as this was probably one of his toughest transactions but still made it happen. Overall I would definitely recommend him to anyone in the process of purchasing a home!

  2. KWard

    Ronnie is an amazing Loan Officer. Ronnie is professional, knowledgeable, and friendly and he provides excellent service. He is always available to answer any questions and ease any doubts. Ronnie guided us through every step of the loan process. He made our first-time home buyer's experience a wonderful, positive, and pleasant experience. Thank you, Ronnie, for helping us achieve our dreams of becoming homeowners. It has been such a blessing working with you and I look forward to working with you again in the future. I will certainly recommend your services to family friends.

  3. KWard

    Ronnie and Jackie and their team work diligently to make sure every detail was done correctly and timely. Fast response on all of our questions it was a pleasure to have them help us with our loan

  4. KWard

    I wanted to express my gratitude to Sir Ronnie & Team for all your help and took the time to understand my situation and needs.. Little background here, I am first time home buyer. I had no idea about the process whatsoever.The amount of effort and time they put into walking me through the process it's truly exceptional. Thank you all your assistance, patience and expertise.

  5. KWard

    Ronnie is a kind and knowledgeable professional. As a first time buyer, I thought that I would be overwhelmed with the process but fortunately I had Ronnie’s help and guidance. He ensured that everything ran smoothly from start to end. He is always willing to answer questions and ease any worries. My entire home buying experience has been positive and I have Ronnie to thank for that.

  6. Jose Garcia

    Una persona muy responsable en su su travajo y que te ayuda en todo el proceso de tu préstamo hipotecario y siempre está dispuesto ayudarte en cualquier duda que tengas sobre los servicios

    Reply
  7. Cesar Ramirez

    Buying a home is so hectic and chaotic. But thanks to Ronnie Esparza the process of buying our first home was incredibly easy. We had Ronnie guide us and was available to answer all of our questions and concerns. He helped me understand every detail about the loan and home purchase. He was only a call away. Thank you Ronnie for all your time and patience.

    Reply
  8. Madeleine Foronda

    My fiancé and I had the pleasure to work with Ronnie these past couple of months. We are first time home buyers and our experience felt smooth and easy with the help of Ronnie. He made sure to answer any questions we had and always replied to us promptly. I definitely recommend working with Ronnie if you’re looking to buy a home.

    Reply
  9. Delita Noza

    I love doing business with Ronnie.He’s very accommodating and straightforward.Ronnie exceeded my expectations in buying a house.Great job!!

    Reply

About Me

I began my career in mortgage loans in 1996 and continued through 2010, when the market took a turn.  I’ve recently re-joined the industry again.  I look forward to reconnecting with my past clients and re-establishing myself as one of the community’s top Mortgage Professionals in the industry.

I volunteer and serve as the Unit Commander for The Monterey County Sheriff’s Office Mounted Unit, in addition to a board director for The Monterey Sheriffs Advisory Council.

On my off time, I am a professional photographer who works with local high schools and their seniors.  I love to spend time with my wife of 16 years and granddaughter.  I love to ride horses and volunteer as the official rodeo pageant photographer.

Quote I live by:  “Discipline yourself, so others don’t have to”      ~ Coach Wooden, UCLA Basketball Coach ~

Premier Mortgage Resources Blog

The Importance of a Mortgage Preapproval

The Importance of a Mortgage Preapproval

When purchasing a home, one important step that homebuyers often overlook or delay is getting preapproved for a mortgage. Mortgage preapproval is a service provided by lenders that offers homebuyers a comprehensive understanding of their borrowing capacity, giving...

Securing a Home Loan: Significance of the Debt-to-Income Ratio

Securing a Home Loan: Significance of the Debt-to-Income Ratio

In mortgage lending, the debt-to-income (DTI) ratio plays a pivotal role in determining an applicant's eligibility for a home loan. This blog aims to explain the DTI ratio and highlight its profound impact on an individual's ability to secure a home loan....

Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.

Refinances

By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.

100% Financing Programs

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

ARM Loans

After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.

Lower Rates

Lower rates typically have higher closing costs in the form of discount points.

About HECM (Reverse Mortgage)

At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.

We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan

The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.

You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and

Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan

Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)

These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.

Tax Exemption/Deduction

Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.

Opinions

Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.

PMR is not a course provider and does not provide credits for any CE class.

Texas Complaint-Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.

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