The 10 Most Empowering Women in Mortgage Industry, 2023 Cecilia Ramos

The Rising Mortgage Maverick

It's no secret that the world of real estate can be complex and overwhelming, especially when it comes to securing a mortgage. With so many options available and constantly changing market conditions, it's common for individuals to feel lost or uncertain about the best course of action.

That's where a skilled mortgage broker comes insomeone who can navigate the terrain with ease and help individuals and families find the right loan to meet their needs. When looking for a true expert in the field, Cecilia Ramos stands out above the rest: a seasoned professional with a wealth of experience and a reputation for excellence.

Owned and led by the iconic mortgage broker Cecilia Ramos- Ultimate Mortgage Company (Lic #11995) is a team of knowledgeable and dedicated professionals. Ultimate Mortgage Company is helping countless clients achieve their dreams of home ownership by providing top-tier mortgage services and personalized guidance throughout the process.

The belief company runs on is helping their clients. For example, “Whether you're a first-time buyer, looking to refinance, or navigating a complex real estate transaction, Ultimate Mortgage Company has the expertise and resources to help you succeed.”

We at CIOLook interviewed Cecilia on her role in operating the Ultimate Mortgage Group.

Let’s dive into the intercepts of the interview!

Brief our audience about your journey as a business leader until your current position at Ultimate Mortgage Group. What challenges have you had to overcome to reach where you are today?

Starting in the mortgage business for me was far from easy. I was faced with triple threats-young, immigrant/minority and a woman! I’ve had to work three times as hard. By dealing with so many different people, I learned the dos and don’ts.

Instinctively, I surrounded myself with genuine, successful, and kind people. I also equipped myself with the right virtues in life, such as honesty, assertiveness, patience, and humility. With the combination of all these things, I’ve attracted success while working at my business from the ground up to the top. I continue to share my time and expertise with others which have turned me into a mentor for many clients, colleagues, and industry professionals.

Tell us something more about your company and its mission and vision.

Our company helps consumers to achieve homeownership and financial independence. We teach and guide them to look beyond the “lowest interest rate” mentality and look at their home(s) as investments.

Our guidance is like a vehicle that drives them to financial freedom and a wealth generator. Our company also teaches and supports licensed agents and brokers to help homebuyers and owners attain their homeownership dreams and real estate investment goals. It’s like paying forward. We’ve achieved massive success in the mortgage industry, and so we share our experience with other industry professionals to benefit from our expertise.

Enlighten us on how you have impacted the customers to gain financial freedom through your expertise in the market.

Doing my business well for well over 2 decades, I’ve helped so many consumers with different needs and dreams. I don’t discriminate or focus on high net worth and sophisticated clients alone. Moreover, I help consumers who are very new to homeownership or people who have had financial setbacks in the past.

Cherishing this mission all these years has taught me to be a well-versed individual and business owner. Gaining exposure through meeting so many different people from different walks of life has helped me hone my problem-solving skills and taught me to adapt and conform to all kinds of situations. This is the reason my clients benefit from my expertise in the market. The agents with the company also benefit from our mentorship program to help their careers while ensuring guidance to the customers.

Describe in detail the values and the work culture that drives your organization.

I always say and believe that we’re in the business of helping people. Our top priority is to identify people’s problems and needs; furthermore, we do our very best to find the best or unique counseling for every individual or family. I firmly believe that this sets us apart from many professionals and organizations. Thus, the percentage of our client retention is impressively high.

We welcome new agents and seasoned agents/brokers to our company, providing them with support. Different agents and brokers with varying levels of experience and needs are welcome to Ultimate Mortgage Group. We invest in our people.

Undeniably, technology is playing a significant role in almost every sector. How are you leveraging technological advancements to make your solutions resourceful?

Technology is important in our business and our everyday lives as a whole. We invest in technology to ensure our clients and agents/brokers, and staff have access to the most cost-effective, time-efficient, and innovative tools to manage, develop and sustain our business.

What change would you like to bring to the marketing industry if given a chance?

If I had the power to make a change in the marketing industry, I would create a system that is fully accessible to consumers, industry professionals, lenders and governing bodies that would eliminate fraudulent activities. I would market a reputable system that fosters transparency in the market to make the industry an even playing field as fraud gets larger and more sophisticated in the mortgage world.

What, according to you, could be the next significant advancement the audience should know about and how is your company prepared to incorporate it?

Probably AI would be it. We always learn to adapt to a changing environment but staying true to our mission without our culture and objective being compromised is always at the heart of our company.

Some of our business functions may be replaced with certain tools to be more adaptable. Still, we as “the people,” will always need to find ways to cater to our consumer’s and agents’ emotional, intellectual, social, and financial needs.

Where do you envision yourself to be in the long run, and what are your future goals for Ultimate Mortgage Group?

Growth and Expansion. I still see myself being heavily emerged in the mortgage business for many years to come. We are looking to grow the company in size and volume by hiring more agents and brokers. To date, we have 140 licensed agents and brokers, and we are continuing to grow week after week, month after month.

What would be your advice to budding entrepreneurs who aspire to venture into the dynamic industry?

As advice for the budding aspirants, I’d suggest managing your expectations and whatever you want to do it full-time. Remember to think outside the box. And recognize that we’re in the people’s business.