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    Damien K Ramirez - NV Lending

    5.0 (1 review)
    Closed 9:00 am - 8:00 pm

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    Services - Damien K Ramirez - NV Lending

    Mortgage services

    Mortgage refinancing

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    I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

    I had a great experience working with Phil Ganz at Next Wave Mortgage. From the beginning, he was…read morevery knowledgeable, responsive, and patient in explaining every step of the mortgage process. He took the time to answer all of my questions and made sure I understood my options clearly, which really helped reduce my stress as a first-time homebuyer. I would definitely recommend Phil Ganz and his team to anyone looking for a smooth and supportive mortgage experience.

    City National Bank of Florida - City National Bank of Florida

    City National Bank of Florida

    (2 reviews)

    This bank stinks! They are still in 1972. Very archaic. Every time there is a problem they want you…read moreto come in and fill out forms. My account was locked last Friday because the got mail returned. I now live on the west coast of Florida. It is Tuesday and I still cannot access my funds. This borders on theft. Rest assured I will be closing my accounts at Total Bank.

    I have been baking at Total Bank for many years in Perrine (back when it was Florida International…read moreBank). I am one that is loyal to those that are loyal to me. Yet the SERVICE over the last few years has increasingly worse. It seems like anything besides making a deposit is an "issue". I have a few accounts at this Bank. Yet I recently received a new "fee structure" on my account. It irritates me that if I don't have a minimum of $500 direct deposit, I will be charged. I have no controll over the fact that my Employer doesn't offer direct deposit, yet we deposit over $6,000 a month into our account. I realize that we have more then the "minimum" in our account not to be charged, but many people don't who have also been loyal customers. Its bad enough that they don't really want Customers coming into the Lobby to do Banking business and prefer you go through Drive Through unless your applying for a mortgage, yet there are so many inconvenient rules at their Drive Through. Basically they are NOT Customer Friendly or LOYAL to their long standing Customers, and make no effort to keep them, or show any perks as an incentive to stay with them. It it obvious to me that I will no longer be a Customer at this small local community Bank. I will be moving my accounts because of lack of appreciation, loyalty and service..

    Damien K Ramirez - NV Lending - mortgagelenders - Updated June 2026

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