About Martha Pedroza-Ramos

As a licensed HomeBridge Mortgage Loan Originator in California (NMLS #251399), Martha Pedroza-Ramos can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Martha welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Martha has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Martha Pedroza-Ramos Anytime

Feel free to contact Martha anytime by phone or email for personalized service and expert advice. Martha Pedroza-Ramos will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Martha Pedroza-Ramos is 203(k) Renovation Lending Certified

Martha is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Martha Pedroza-Ramos values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Martha by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
Top1%
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
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Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

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Heriberto P. Aug-18
“They did well in all I needed. I was satisfied.”
Heriberto P. August 2018
“They did well in all I needed. I was satisfied.”
Heriberto P. August 2018
“They did well in all I needed. I was satisfied.”
Juan R. March 2018
“Martha has helped us a lot and was very detailed. Super nice.”
Daniel S. March 2018
“Very responsive, great customer service. The second time I have used Martha Pedroza.”
Eduardo G. March 2018
“Martha would answer any question right away even after hours.”
Sean J. October 2017
“Very responsive and detailed.”
Priscila G. Napa, CA
“Very timely to responding all my demanding questions. Very reachable and accessible.”
Berta T. American Canyon, CA
“She was quick and responsed to all questions. I enjoy very much working with her.”
Serafin G. Napa, CA
“She was there always to help us with the paper work.”
Sol M. Vallejo, CA
“She did exactly what she promised! Thank you Marhta”
Mechisedeck A. Suisun City, CA
“Martha is very pleasant to speak with. She treats her customers with the highest respect. She was consistent and followed up and followed through. She has excellent interpersonal skills and has a good rapport with my realtor”
Christopher P. Napa , CA
“Martha makes her clients feel like they are receiving the personal touch. She is also very knowledgeable in guiding her clients through the various mortgage options. Often, the mortgage underwriters will ask for personal documents. Martha and team simplify the process so that it never feels overwhelming.”
Christopher E. Vacaville, CA
“Martha Pedrosa worked above and beyond to get my wife and I into our first house! Especially when I had to use a VA loan!”
Ofelia V. Fairfield, CA
“Martha Pedroza and her team are awesome! I had a Loan Officer that provided an incorrect pre-approval. The client put their house on the market and sold the home, when it was time to close on their replacement home the Loan Officer was unable to perform! The client was temporarily homeless. Thank God I was able to reach Martha, provide her with all the info and she was able to pre-approve them and close the deal!!! Absolutely an awesome Loan Officer :)”
Paulo C. Napa, CA
“Martha Pedroza Ramos saved this deal!! The client was working with another lender that could not perform, Martha picked up the loan halfway through and closed this out. We could not have closed this out without her. Thank you Martha!!”
Edwin A. Suisun City, CA
“Martha was great. She followed up daily and got this transaction closed. I can give her two thumbs up.”
Edwin A. Vallejo, CA
“Martha '”
Leandro P. Suisun City, CA
“Martha and her team make this process so easy and stress-free. Thank you Martha and team.”
Christopher P. Napa , CA
“Martha and team are always responsive to our mortgage needs and questions. We would highly recommend their services for real estate transactions in the greater Napa Valley. They make such a daunting process seamless!”
Damiano I. Woodland, CA
“Martha and team were great. She helped me through my transaction and answered all my questions. She helped us get into our new home for the New Year!! Thanks Martha!”
Paulo C. Napa, CA
“Keep myself (buyer'”
Enrique R. Napa, CA
“I '”
Bill W. Napa, CA
“Got the deal done.”
Shawn D. Napa, CA
“A lot of work, but Martha put it together and on time, closed a day early even!!! Thank you for another great job.”
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