Awesome! Our funding experience with Virtual Capital Funding Corporation LLC was beyond my expectations! As a first time home-owner everything was new to me. But they had amazing communications (even though I did most of it online). And I got a better rate than my bank quoted me!

Santiago Ramirez did really surprised us! Better and quicker process is hard to find in the refinance business. Everything was very easy thanks to good communication between us and Santiago's office. The road to closing was very straight forward with the best locked interest offer. strongly recommend Santiago Ramirez and his team.

I had a great experience working with this office. I was in good hands during the whole process with my senior mortgage loan officer Santiago Ramirez. Santiago was very polite, honest and professional. He took every call, text and email and always got back to me if he was unavailable. My mortgage refinance was closed and funded in a very timely manner. I will always be referring friends and family.

Santiago's Office is very professional and competitive. They has the best rates. I got surprised with them very fast responses from Santiago Ramirez. He was always ready to take my call. Super-fast approval process. My rate changed by 1.125%, obviously my monthly payments were reduced even though we took cash out. Thank you so much Santiago

I have refinanced my mortgage twice wit Santiago and it was the best i have had. Santiago did an excellent job. He is very professional and easily accessible.