Joanna Ramos

With over 20 years of experience in the mortgage industry, I've built my career from the ground up, starting in subprime and retail lending before expanding into wholesale and TPO channels. My expertise spans conventional, government lending (FHA and VA), jumbo and Non-QM products, giving me the versatility to structure solutions for even the most complex scenarios.

At Carrington, I offer a true soup-to-nuts approach across wholesale, non-delegated and correspondent lending, providing brokers access to a wide array of programs spanning traditional conventional, government and Non-QM lending. Known for my calm, problem-solving approach under pressure, I specialize in purchase transactions and have extensive experience partnering with homebuilders and real estate agents to help keep deals moving.

I see myself as a strategic partner, not just an account executive. With the right hands-on AE relationship, brokers can expect responsive, transparent communication and dedicated support at every step of the loan process. Having held management roles throughout my career, I bring both hands-on account guidance and big-picture perspective to every partnership, backed by strong communication, active listening and a genuine commitment to customer service.