VA loans
Eligible veterans and service members may have access to options designed around military service.
Springfield, MO · English & Spanish
Welcome. Let's get you home.
I'm Luis Ramirez, Senior Loan Officer at Express Mortgage. I'll tell you exactly what you qualify for, in plain English, before you fall in love with a house — and I answer my phone.
Free · No obligation · Starts with a soft credit check
Luis Ramirez's experience and Express Mortgage Google review summary
200+
Families served
3
Years in the business
5.0
On Google — Express Mortgage (144 reviews)
On the record
“He met us at Price Cutter at 8:30 on a Tuesday night to run numbers.”
— from a Google review of Express Mortgage
That's a real client, and that's the job. Wherever your kitchen table is — that's my office.
About Luis
One of southwest Missouri's top-producing lenders.
Senior Loan Officer · Express Mortgage LLC · Springfield, Missouri
I'm a Senior Loan Officer at Express Mortgage in Springfield. In three years, I've helped more than 200 families buy or refinance their homes.
I came to this work from an accounting and finance background, so I actually enjoy the part where we sit down and look at the numbers together. My job is to make every step clear — what you qualify for, what it costs, and what happens next — and then be reachable while it happens.
The difference
The top-producing Spanish-speaking lender in southwest Missouri.
Not a translated form. Not a call center that hands you off. Every conversation, every document, every question — handled directly with me, in the language you think in.
Se habla español · Every step, start to finish
No score impact
We start with a soft credit check — exploring your options never hurts your score. A standard credit check only happens later, when you're ready to buy.
Loan options
Seven ways to get it done.
Express Mortgage gives me access to hundreds of loan programs. These seven cover a wide range of buyers, homeowners, and investors.
Conventional
The ideal option for good credit and a substantial down payment.
The classic routeFHA
The home loan with flexible criteria and low down payment.
The credit-friendly pathVA
The military-friendly mortgage.
For those who servedUSDA
The go-to loan for a home in a rural town.
For eligible areas across MissouriJumbo
The right choice for a larger, more expensive property.
Above conforming loan limitsRefinance
Rework the loan timeline or put your equity to work when the numbers make sense.
A fresh look at your current loanNon-QM Loans
For self-employed borrowers, investors, and income that doesn't fit the standard box: bank statement loans, DSCR, profit-and-loss loans, asset depletion, one-time construction, and ITIN loans.
There's more than one way to qualify
5.0
Five out of five stars.
Express Mortgage on Google · 144 reviews · as of August 2026
What clients say
The reviews are the résumé.
“Luis was exceptional in guiding us through the home buying process. He was very knowledgeable and was sure to provide us with multiple financial options. I especially appreciated that he was there anytime we had questions or concerns along the way and had our best interests at heart.”
— Terry · Google review
“He gave tons of reassurance to make me feel I was ready for home ownership!”
— Google review of Express Mortgage
“Luis was always so accessible and willing to answer any questions we had. He and his team made the process feel way less intimidating.”
— Ashleigh · Google review
Keep your loan on track
The Dos and Don'ts of Your Loan
Here's something most people don't know until they're in the middle of it: your loan isn't approved once and then left alone. It's more like a photo your lender keeps re-taking — your credit, your job, and your bank accounts all get checked again in the final days before closing. That's not because anyone doubts you. It's just how the process works. So the goal between now and closing day is simple: keep your financial life boring. Below is the same list I give every client. None of it is hard, and none of it lasts forever — just until the keys are in your hand.
Do
- Keep paying every bill on time — especially rent.
Payment history is the single biggest piece of your credit score, and your credit gets re-checked right before closing. One late payment in the wrong month can change your loan options or approval.
- Keep your paperwork in one easy spot.
Your last 30 days of pay stubs, two months of bank statements, two years of W-2s or tax returns, and your photo ID. Having these ready turns a two-day delay into a two-minute email.
- Send every page of every statement — even the blank ones.
If your bank statement says "Page 1 of 6," underwriting needs all six, including the page that says "this page intentionally left blank." Partial statements get kicked back automatically and cost you a day.
- Answer document requests the same day when you can.
Underwriting works in a queue — every hour you sit on a request, your file waits behind everyone else's. Fast replies are the number one thing that keeps a closing date from slipping.
- Let your down payment money sit still.
Lenders like to see money that's "seasoned" — meaning it's been sitting in your account long enough to show up on your statements, usually about 60 days. Money that appears out of nowhere has to be traced and explained, which slows everything down.
- Handle gift money the right way.
If a parent or family member is helping with your down payment, that's completely allowed — but it needs a short signed gift letter and a traceable transfer from their account to yours. Call me before the money moves, not after; cash handed to you in person is the hardest kind to document.
- Keep a small cushion beyond your down payment.
Some loans require a little money left over after closing, and even when they don't, appraisals, inspections, and moving costs have a way of showing up. A cushion turns a surprise into an inconvenience.
- Tell me before anything financial changes.
New job, new car, a bonus, a gift, a side business, a big deposit — anything. Almost every problem I've ever seen was completely fixable beforehand and a real headache afterward.
- Ask questions any time, about anything.
There's no such thing as a dumb question here, and you're not bothering me — this is the job. If something feels confusing or you just want to double-check, text or call.
Don't
- Don't open new credit.
No new credit cards, personal loans, store financing, or buy-now-pay-later plans. Lenders run a final credit check in the days before closing, and new accounts can drop your score or raise your debt load enough to change your approval.
- Don't make big purchases on credit.
A car, furniture for the new place, appliances, a riding mower — even with promotional financing or delayed billing. That new debt counts against you, and buying the couch before closing is how people lose the house it was going for.
- Don't change or quit your job without talking to me first.
Your employment gets verified again within a few days of closing, sometimes the morning of. A new job isn't automatically a problem — going from salaried to self-employed or commission-only usually is — so let's look at it together before you give notice.
- Don't move money between accounts without a paper trail.
Transfers between your own accounts are fine, but every dollar has to be traceable from where it started to where it landed. Shuffling money around right before closing creates a scavenger hunt that you get assigned to.
- Don't make large cash deposits.
Cash can't be traced, so lenders generally can't count it — no matter how legitimate it is. If you've been paid in cash, or someone's helping you out, call me first and we'll find the right way to document it.
- Don't co-sign for anyone.
Co-signing your nephew's car loan puts that full payment on your credit report as if it were yours, even though you never drive the car. It's one of the fastest ways to knock yourself out of qualifying.
- Don't close old credit cards or pay off collections on your own.
This feels like cleaning up, but closing an old account can shorten your credit history and raise your utilization, and paying an old collection can re-date it and drop your score. If something needs to be handled, we'll do it in the right order.
- Don't miss a single payment — on anything.
Car, student loan, phone, that store card you forgot about, rent. One 30-day late during the process is one of the few things that can genuinely end a loan, and it's the easiest one to avoid.
- Don't spend the money set aside for closing.
Your down payment and closing costs need to still be there — and still be documented — on closing day. If a real emergency hits that money, tell me right away so we can adjust before it becomes a problem at the table.
One more: if other lenders start calling right after we check your credit, that's a data broker selling your information — not us. You don't owe them a conversation.
Not sure about something? Call me before you do it. Five minutes on the phone can save your closing.
Get in touch
Let's talk it through.
No pressure, no application required. Tell me where you're at and I'll tell you honestly what's possible.
(956) 893-1386Call or text
- Emailluis@expressmortgage.com
- OfficeExpress Mortgage LLC
1701 S Enterprise Ave Suite 103
Springfield, MO 65804
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