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Ivan Ramirez

Ivan Ramirez

Loan Officer

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Q&A with Ivan Ramirez

To what do you attribute your success?

β€’ Being responsive to borrowers and agents EVERY TIME.
β€’ Knowing how and when to bring value into any situation. GOOD or BAD.
β€’ Bringing solutions and not problems to the table.
β€’ Fluency in Spanish and English, enabling me to serve more clients and business partners.
β€’ Displaying the right attitude. As John Maxwell says" People may hear your words, but they feel your attitude.

What do you aspire for clients to say about you?

I just want them to say that I was there every time they had a question, concern, or remark and that I made the process so smooth that they will refer me to their family and friends when someone asks if they know a mortgage lender that can help.

Bio of Ivan Ramirez

Meet Ivan Ramirez, your go-to bilingual Spanish-English mortgage loan officer based out of our Duluth, Georgia BankSouth Mortgage loan office. He is a dedicated father to two precious girls and a loving husband to Maria Ramirez for over 15 years. Together, their family cherishes simple moments - from enjoying an ice cream on a sunny day and watching Disney movies, like Aladdin and The Lion King, to embarking on offroad adventures during weekends in the north Georgia Mountains, Tennessee, or South Carolina.

Mortgage Market Interest Rates

Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.

The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.

Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMIβ„’ (β€œOptimal Blue Mortgage Market Indices”). The OBMMIβ„’ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (β€œOptimal Blue”) product and pricing engine (β€œPPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an β€œas is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.

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