As an independent Mortgage Broker, Instructor and, now, Insurance Agent, my goal is to help my
clients be informed clients.  Whether you are a first time homebuyer, or a savvy investor, I help
you keep abreast with changes in the market.  I track the industry daily, from changes in the bond
market and rates to changes in lender programs.  Staying on top of change in today's market is
sometimes challenging, but I firmly believe that doing so, is just one part of my duty to my
customers.

My 15 year background in retail management has given me a solid foundation for delivering
excellence everyday to my clients.  In addition, my educational background and operations
experience afford me a strong analytical skill set that when combined with great customer
service is a win-win for my clients.

By providing strategic solutions to your mortgage needs, I help you understand what the best
option may be for you and why.  And, now, I do that with Insurance as well.  

Whether you are looking to buy a Commercial Investment, Residential Property, Lots, Acreage, or
Investment Rentals, I can help you finance it as well as insure it!
About Me
Certifications and Accomplishments:
Call Today!  (210) 723.7614
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Texas Department of Savings and Loan License #80622
Texas Department of Insurance General LInes Agent #1436968
Texas Real Estate Commission MCE Instructor
Certified FreddieMac CreditSmart Instructor
City of San Antonio Homebuyer Education Instructor
Champions School of Real Estate Instructor
Bachelors of Business Administration with Concentrations in
Physics and Mathematics
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“I enjoy helping new homeowners learn
about the process and joy of
homeownership. I can be trusted to give
you  the RIGHT information and am
committed to helping you before,
during and after you buy your home..”
Art Ramirez
Expedient Mortgage
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