Angel Gets You Funded

04/01/2025

Ready to Invest? Let's Talk Strategy first. We have a program for any of your investment strategy needs. Shoot me a Call or text. (813) 293-4327 (Available Nights & Weekends)

03/28/2025

🐶💦 Friday Mood: Jumping into the Weekend Like...

Just like my dog diving into the pond, buying a home is all about taking the plunge! If you've been thinking about making a move but aren’t sure where to start, I’m here to help guide you through the process.

🏡 Ready to dive in? Let’s make your homeownership dreams a reality!
📲 Start here: applywithangel.com
📞 Call me: 813.293.4327

And when you’re ready to start shopping for the perfect home, Michelle Furey, Realtor can help!
📞 813.310.6667

03/25/2025

🏡 Thinking About Buying a Home? An FHA Loan Could Be Your Key!

Hi, I'm Angel Ramos, your local Mortgage Loan Originator! If you're dreaming of homeownership but worried about strict lending rules, an FHA loan might be the perfect fit for you. Here’s why:

👉 Credit-Friendly Options: You don’t need a perfect credit score! FHA loans can work for buyers with scores as low as 550 — even if you don't have a traditional credit score.

👉 Flexible Approval: No FICO score? No problem! We follow FHA guidelines to explore all possible paths to get you qualified.

👉 Manual Underwriting: If your financial situation is unique, we can take a closer look with a personalized review.

👉 Higher Debt-to-Income Ratios: FHA loans allow for higher DTI ratios if approved by automated systems. That means more room to qualify!

👉 Single-Wide Manufactured Homes Welcome: Got your eye on a single-wide manufactured home? FHA loans can help make it happen if the property meets HUD standards.

👉 Streamlined Refinancing for Non-Owner Occupants: Already have an FHA loan? Streamline refinancing may be available, even for non-owner-occupied properties!

Ready to see if an FHA loan is right for you?
📲 Get started with your pre-approval
applywithangel.com
📞 Call me: 813.293.4327

If you’re ready to start shopping for your new home, reach out to Michelle Furey, Realtor — she can help you find the perfect place!
📞 Michelle's Cell: 813.310.6667

03/23/2025

𝐓𝐨𝐝𝐚𝐲 𝐢𝐬 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐥 𝐝𝐚𝐲 𝐨𝐟 𝐭𝐡𝐞 𝐕𝐚𝐥𝐬𝐩𝐚𝐫 𝐓𝐨𝐮𝐫𝐧𝐚𝐦𝐞𝐧𝐭! If you haven’t checked it out, it’s a gorgeous Florida Day to go watch the action. This tournament is hosted at the Innisbrook Golf Resort in Palm Harbor.

Want more of the Florida Life? ✨ Get started with your preapproval here ➡️ applywithangel.com

𝐀𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐍𝐢𝐠𝐡𝐭𝐬 𝐚𝐧𝐝 𝐖𝐞𝐞𝐤𝐞𝐧𝐝𝐬
📲 813.293.4327

03/22/2025

Nothing beats the Florida life. 🌞 The weather has been amazing over Spring Break this week.

Looking to make your move to Florida? Get started here ➡️ applywithangel.com
Don’t wait until Monday, I work nights and weekends. 📞 813.293.4327

03/19/2025

🚀 Calling All Business Owners & Investors! 🏡💰

Looking to grow your real estate portfolio without the hassle of traditional income verification? DSCR Loans are the solution!

✅ No minimum DSCR required
✅ Up to 80% LTV
✅ Gift funds allowed
✅ First-time investors welcome
✅ No limit on financed properties
✅ Short-term rental income allowed

Whether you're purchasing, refinancing, or cashing out for reserves—we have the right loan for you! Let’s talk strategy today.

📞 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply Today: applywithangel.com

03/18/2025

🏡 Ready to Buy & Invest? Let’s Talk Strategy Today! 📈

Whether you're purchasing your first home, expanding your investment portfolio, or need flexible financing options—we have a loan for that!

💰 Programs Available:
✔️ FHA & Conventional Loans
✔️ FHA Down Payment Assistance
✔️ Investment Loans (DSCR Rental & Fix & Flip)
✔️ Self-Employment Bank Statement Loans
✔️ Commercial & SBA Loans
✔️ Construction-to-Perm Loans

Let’s find the right loan for your needs!

📞 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply Today: applywithangel.com

03/15/2025

Want to join the Florida Life? Reach out to me to get preapproved for your loan. 𝐇𝐚𝐩𝐩𝐲 𝐒𝐭. 𝐏𝐚𝐭𝐫𝐢𝐜𝐤’𝐬 𝐰𝐞𝐞𝐤𝐞𝐧𝐝 from Tampa.

03/15/2025

Happy St. Patrick’s. Day celebrations in downtown Tampa! ☘️

03/15/2025

Thinking about investing in real estate? 🏡💰 A DSCR loan could be the key to growing your portfolio—without income documentation! Let’s talk about how you can qualify based on rental income alone. Call me today!
📞 813.293.4327
applywithangel.com
"

03/14/2025

📉 Adjustable Rate Mortgages (ARMs) – Pros & Cons 📈

Thinking about an ARM or already have one? Here’s what you need to know:

✅ Pros:
✔️ Lower initial interest rates 💰
✔️ Lower monthly payments (at first) 🏡
✔️ Good for short-term homeowners ⏳

⚠️ Cons:
❌ Rates can increase after the fixed period ⬆️
❌ Monthly payments may become unpredictable 💸
❌ Could cost more in the long run 📉

💡 If you have an ARM that’s about to adjust and raise your mortgage payment, let’s talk! You may have options to refinance into a more stable loan.

📞 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply Today: applywithangel.com

03/13/2025

🚨 Small Business Owners – Don’t Let This Mistake Cost You a Home Loan! 🚨
As a business owner, you may aim to lower your taxable income, but too big of a drop from year to year can hurt your mortgage approval. Lenders like stability, so here’s a key tip:
💡 Avoid more than a 20% income drop between tax years! 💡

Why?
🔹 A significant decrease raises red flags for lenders 🚩
🔹 It can impact how much home you qualify for 🏡
🔹 Even if your business is thriving, your reported income matters!

If you’re thinking about buying a home in the next 1-2 years, let’s talk NOW about structuring your income the right way!
📞 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply Today: applywithangel.com

03/12/2025

🚨 Waiting for the “Perfect Time” to Buy? Read This! 🚨

📉 Interest rates are falling, but what does this mean for home prices? When interest rates fall, home prices typically increase but don't worry, there are perks to a lower rate.
A lower interest rate means:
✔️ More home for your budget
✔️ Lower monthly payments
✔️ Less competition before peak buying season

💬 Let’s lock in your rate! Call/Text 813.293.4327 or Apply Now → applywithangel.com

NMLS #: 2044477

03/11/2025

🏡 Dreaming of a New Home? Let’s Make It Happen! 💭✨
House hunting is exciting, but before you start, it’s important to know exactly what you can afford. I’ll help you break down your income, debts, and financial goals so you can shop with confidence—no guesswork, no surprises!

Whether you’re a first-time buyer or upgrading to your forever home, I’ll create a clear plan to match you with the right loan. Let’s run the numbers and get you pre-approved today! 📊🔑

📩 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply: applywithangel.com

NMLS #: 2044477

03/09/2025

🏡 How Much Can You Save with Lower Interest Rates? 💰

Let’s break it down:
📉 A 1% decrease in rates can save you hundreds per month! Example:

➡️ 7% rate = $2,400/month
➡️ 6% rate = $2,150/month
➡️ 5% rate = $1,900/month

That’s real money back in your pocket! Let’s get you pre-approved today.

📩 DM me or Apply Now → applywithangel.com

03/08/2025

Thank you to April Emory and Chad Emory for welcoming me to your team meeting! It was great connecting with you all and learning some new marketing tips.

03/08/2025

🏡 Real Estate Investors – This One’s for You! 📈💰

Looking to build wealth through real estate? A DSCR (Debt-Service Coverage Ratio) Loan lets you qualify based on rental income alone – no personal income verification needed!

✅ No landlord experience required
✅ Credit scores down to 620
✅ As little as 20% down
✅ Gift funds allowed
✅ Easily pull cash out of your income-producing properties

If you’re ready to expand your portfolio without the usual income hurdles, let’s connect today!

📞 Call/Text: 813.293.4327
📧 Email: [email protected]
🔗 Apply: applywithangel.com