Problem Solving Makes Rajin Ramdeholl A Master

For him, there is much more to the mortgage business than crunching numbers

By Gary Rogo, Special Sections Editor, Florida Originator Magazine

So how did Rajin Ramdeholl rise to the level of a Mortgage Master? “It’s just circumstances, it’s just life,” he says.

It all started when Ramdeholl found himself at the age of 22 married and in need of a job. He enrolled in a mortgage training class at First Republic Bank in 2004, the only student among the 19 without any sales experience. But he was one of four hired after two weeks of training.

Ramdeholl then fell in love with the mortgage industry, a love that has remained constant to this day. “I look back at when I started, and I have the same type of excitement as I had then,” he says. “Every day is a new adventure.”

Ramdeholl, 41, feels it is his ability to be a problem solver that makes him stand out from the crowd. “Every day my job is to problem solve,” he says. “No two loans are the same.”

He enjoys being in the position to help people achieve their dreams of homeownership, especially first-time buyers. “I like the challenges when I put together that deal that shows my expertise, my ability to get those deals together,” he says.

Every day, Ramdeholl says, he hears stories of sacrifice from people who work tirelessly to scrape together enough money to buy new homes, for themselves or their children. Some of these people who migrated from other countries associate the American Dream with homeownership, and struggle to achieve this dream. “It hits straight to the heart,” Ramdeholl says

It’s no surprise to Jerome Jagmohan that Ramdeholl is being honored as a Mortgage Master.

“Rajin knows what works and what doesn’t when it comes to the mortgage and financial industry,” says Jagmohan, a branch coordinator for Meadowbrook Financial who nominated Ramdeholl. “Navigating the real estate market’s ups and downs for many years, Rajin learned that there is much more to the mortgage business than crunching numbers and calculating interest rates. It is about helping people realize their dreams.”

Ramdeholl acknowledges the mortgage industry is not for everyone. Those who enter the industry with thoughts only of financial gains for themselves will not last, he says. The enduring motivation must be actually helping people achieve homeownership.

That’s why Ramdeholl says he is thriving during these down times. “Our clients have so much confidence in us,” says Ramdeholl, noting doing repeat business or business with families and friends of previous customers. “My business has the referral base.”

Ramdeholl wants to make the mortgage business stricter and tougher to be licensed. “It’s not hard enough to get a license,” he says.

He would like to weed out those originators who do not have their clients’ best interests at heart, instead being in the business only to enrich themselves, selling mortgage products not in the best interest of their customers.

Ramdeholl is one of the top voices in the mortgage space on social media, Jagmohan says, with a following of more than 40,000 combined and growing, as well as being featured on a handful of podcasts. He is a sought-after TV and radio personality for his articulate and candid conversations regarding loans, educating consumers on how to protect themselves and what types of loans might be best for them.

Ramdeholl, who is licensed in Florida, New Jersey, and New York, has closed north of $1.5 billion in business from his 19-plus-year career, Jagmohan says. He employs his own team of 14-plus loan orig- inators, underwriters, processors, and marketers.

Fluent Mortgage is Ramdeholl’s newest endeavor to set up offices across Florida to help residents obtain their dream of homeownership, Jagmohan says. A bulk of Ramdeholl’s business has been originating from Florida, given the popularity of the real estate market in the state.

For all of Ramdeholl’s long hours, balancing family and friends with his career is critically important to him.

“At the end what is it worth if I can’t spend time with the ones who are most important to me,” he says. b

The same hard hitting news, but with a twist. More fun, more irreverent, more hands on. More commentary on the news you need to know. The Interest, it’s all new and just for you. Don’t miss the launch on August 23rd. Make sure you’re signed up for the NMP Daily so you don’t miss an episode.