Ramiro Macias

Why am I a Mortgage Lender?

I love what I do for a simple reason: helping people! For some, homeownership is a goal and for others, it’s a dream. Buying a home is a big deal whether it’s your first or the last home you will ever own. By listening, asking the right questions, and really understanding my customers’ unique situation, I can provide the best recommendation and solution. Working with clients is about building trust and lasting relationships. For me, it is never just another transaction.

My Experience:

I’ve been in the banking industry in various roles since 2011, but I have always worked directly with customers and been able to assist them with their financial needs. I find that my background in retail banking is extremely beneficial to my clients throughout their mortgage experience.

Interesting Personal Fact:

One of my favorite hobbies is finding unique items and hidden treasures. You can find them in the most interesting places. Some things I will hold onto, and there are items I will re-sell because I know they bring joy to others.

We'll Guide You Home

Lock & Shop Rate Security

Stay safe from higher rates and lock your rate in for 60 or 90 days.1

Mortgage Options

Down Payment Options as Low as 3-5%.

Competitive Rates

Competitive mortgage rates help save you money over the life of your loan.

Dedicated Loan Officer

Let your dedicated mortgage loan officer answer all of your questions and provide peace of mind - start to finish.

Contact Us


Important Information

1 First National Bank's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15 and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products. Your exact interest rate will depend on the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by First National Bank within 30 calendar days of a 60 day lock or 60 calendar days of a 90 day lock. You will have the option to extend the due date for the purchase agreement and the rate lock expiration one time by 15 days. In addition, you may exercise a float down in the rate to the current market rate within 7 calendar days of executing a purchase contract. Please contact your loan officer to exercise this float down option. Additional fees, conditions or exclusions may apply. This is neither a commitment to lend nor an approval of the loan inquiry. Any change in rate or fees may affect approval of the loan.


The calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.