Dallas, Texas

Your home
deserves the
right keys.

Personalized mortgage guidance from a local professional who understands the Dallas market — and your goals.

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What I Offer

Mortgage solutions,
tailored to you.

Whether you're buying your first home, refinancing, or exploring options, I provide clear guidance at every step — no jargon, no pressure.

First-Time Buyers

Navigating your first purchase shouldn't feel overwhelming. I walk you through every option — from pre-approval to closing — so you move forward with confidence.

Refinancing

Lower your rate, shorten your term, or tap into equity — I analyze your current loan and show you whether refinancing makes sense for your situation.

Loan Programs

Conventional, FHA, VA, jumbo — the right program depends on your finances and goals. I compare the landscape so you choose with clarity, not guesswork.

Pre-Approval

A solid pre-approval strengthens your offer and gives you a real budget. I streamline the process so you can shop with authority, not anxiety.

Consultations

Not ready to commit? Let's talk through your options over a no-obligation call. I'll give you an honest assessment — even if that means waiting.

Ongoing Support

From application to closing and beyond — I'm accessible, responsive, and transparent. You'll always know where you stand.

Anna Maria Ramilo professional portrait
About Me

A local professional
you can trust.

I'm Anna Maria Ramilo, and I help Dallas-area homeowners and buyers navigate the mortgage process with clarity and confidence. Based in Preston Road, I bring a personal touch to what can otherwise feel like a complicated, impersonal experience.

At Guaranteed Rate, one of the nation's largest mortgage lenders, I have access to a wide range of loan products — but what sets me apart is the time I take to understand your unique situation and find the path that truly fits.

My approach is straightforward: listen first, explain clearly, and advocate for your best interests throughout the entire process.

10+ Years Experience
500+ Families Helped
5★ Client Satisfaction
How It Works

From inquiry to
closing day.

01

Connect

Reach out by phone, email, or the form below. We'll schedule a time to discuss your goals and answer your questions.

02

Explore

I review your financial picture and present the loan programs that fit — with clear comparisons, no pressure to decide.

03

Apply

Once you choose a path, I guide you through every document and detail — making sure nothing surprises you along the way.

04

Close

You review the final numbers, sign the papers, and get the keys. I stay available even after closing — because my job isn't done until you're settled.

Client Words

What people
say about working together.

"Anna Maria made what felt like an impossible process feel completely manageable. She explained every step in plain language and never made us feel rushed."

M

Michael & Sarah T.

First-Time Homebuyers, Dallas

"I refinanced my home with Anna Maria and saved significantly on my monthly payment. She found options I didn't even know existed. Truly a professional who cares."

D

David R.

Refinanced, Plano

"As a military family, we needed someone who understood VA loans. Anna Maria walked us through everything with patience and respect. We couldn't be happier with our new home."

J

James & Patricia K.

VA Loan, Fort Worth

Get in Touch

Let's find your
right path.

Whether you have a specific question or just want to explore your options, I'm here. Reach out and I'll respond within one business day.

Phone

469-399-5579

Email

annamaria.ramilo@rate.com

Office

18383 Preston Rd Ste 420, Dallas 75252

NMLS

#242588

Send a Message

I'll get back to you within one business day.

Is this your business?This is my business