About Michael Ramini

As a licensed Homebridge Mortgage Loan Originator in Maine (NMLS #190860), Michael Ramini can assist you with your home loan needs, including:

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

Michael welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Michael 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 Michael Ramini Anytime

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

Michael Ramini is 203(k) Renovation Lending Certified

Michael 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.

Michael Ramini 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 Michael 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.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

    Trustpilot
Jody F. Aug-18
“Mike was very kind, attentive and helpful.”
Buddy A. Aug-18
“They are fast and courteous.”
Jody F. August 2018
“Mike was very kind, attentive and helpful.”
Buddy A. August 2018
“They are fast and courteous.”
Jody F. August 2018
“Mike was very kind, attentive and helpful.”
Buddy A. August 2018
“They are fast and courteous.”
Cody N. June 2018
“Easy to work with.”
Amanda A. June 2018
“Responds quickly to calls, text, emails. Accurate information was received in the beginning of the process.”
Archer B. May 2018
“I was helped through every step of the process in a very satisfactory manner.”
Jason M. March 2018
“Did a great job and kept me up to date.”
Shawn F. March 2018
“They were very helpful with the home buying process.”
Stephen F. January 2018
“Mike is the best.”
Caitlin W. January 2018
“Mike was very informative and prompt.”
George K. December 2017
“Staff have been extremely informative and helpful in navigating the home purchasing process.”
Dereck B. December 2017
“Mike was extremely responsive and kept us informed during the entire process.”
Joshua J. December 2017
“Mike kept up with me the entire duration of the process.”
Kyle S. November 2017
“Very thorough and timely.”
Patrick M. October 2017
“They did everything for me and where there whenever I needed them. Found info when I could not.”
Cameron E. October 2017
“Fantastic!”
Erik C. October 2017
“We used them in the past, which was a very good experience.”
David G. Sanford, ME
“Very pleasant, understanding and answered any questions that got asked. He explained everything in a way to make it easier for us to understand. Thank you.”
Michael D. Sanford, ME
“Mike Ramini and Michelle Hunter did a very good and professional job.”
Jane C. Sanford, ME
“Updated all parties involved throughout the process, was available if and when questions arose, the process was ahead of schedule, and it was a pleasure working with them!”
Janet P. Lebanon, ME
“This was a new construction and very unique buyers. Mike Ramini and his assistant went above and beyond to make sure this happened. The processors were also a big help!”
Janet P. Sanford, ME
“This loan had to happen sooner than the date on the purchase and sale due to buyers having to be out of their rental. Mike Ramini and Michelle Hunter went above and beyond to make this happen!”
Janet P. Springvale, ME
“The buyer was very anxious about the whole process and Mike Ramini always answered his questions with the utmost concern to put him at ease.”
Esther B. Shapleigh, ME
“Thanks for all your help, both seller and buyer were happy.”
Amy D. Sanford, ME
“Thank you Mike and Michelle.”
Deb R. Biddeford, ME
“Thank you Mike and team for doing such a great job getting this property closed!! We all worked as a team but there were some pretty tense moments and Mike pulled us though. Thank you so much! KUDOS!!”
Ashley G. Lisbon , NH
“Mike was awesome though we communicated mostly through email however that was the most convenient for me! Mike and team were so quick to respond and if I needed anything I knew they were just a phone call away! Mike was a pleasure to work with his upbeat and positive attitude was so helpful through this process as well as his willing to explain all the pieces of the process.”
Sylvia V. Shapleigh, ME
“Mike was very informative. He explained the answer to every question I had so that I clearly understood. He was very helpful. The whole transaction was done in just a few weeks! I would go back to him if I am ever in need of a loan or advice. I think he is a very trustworthy person.”
Joyce V. Shapleigh, ME
“Mike Ramini and his assistant Michelle Hunter did a great job getting my buyers to the closing table. My buyers were very happy with the service they received. I enjoy working with Mike and team and always have a positive experience with them and would use them again!”
Janet P. Berwick, ME
“Mike Ramini and Michelle Hunter are always updating me on the process. If there is a bump in the road they are prompt to act and find the solution so that the transaction can continue. I rarely have to call and ask for an update, they reach out to me first!”
Michael G. Sanford, ME
“Mike Ramini and team made this entire process very easy. I couldn'”
Bill R. Limington, ME
“Mike Ramini did a great job for the buyer.”
Mark K. Goffstown , NH
“Mike Ramini was instrumental in getting this buyer approved on the new guidelines for people who had a legitimate short sale. Mike also proceeded to get this to close by April 30th which was very difficult. Mike is much appreciated. Great Job.”
Laurie L. Sanford, ME
“Mike made things very easy - we closed early and paid less than anticipated for closing costs. Very satisfied.”
Cindy B. Sanford, ME
“Mike and team were just great help to us, a lot to get in the house we wanted. I give them AAA+ ratings. Thank you very much and I will use them next time!”
Brad T. Shapleigh, ME
“Mike and team were the best ever. I was a first time homebuyer and they were there for me every step of the way. Even to answer the smallest of questions. Thank you.”
Emily C. Springfield, NH
“Michelle and team went way beyond on this one- they believed in the fact the appraisal on this property was poorly done and ordered another one that was dead on. They persevered and worked diligently to make this sale happen and I can not say enough about them as a team! They are wonderful, solid, credible people! Thank you SO VERY MUCH!”
Joyce V. Shapleigh, ME
“Michelle Hunter”
Scott R. Sanford, ME
“Michael and team were great to work with in putting together the package which placed me in a home which was nice as well as affordable. Much appreciation for all the work they did and very happy with how everything worked out. They were helpful through the whole process, keeping things moving when needed, following up with issues which arose and good follow through after the fact.”
Jo-Anne B. Sanford, ME
“It was a very stressful closing and Mike Ramini and MIchelle Hunter went above and beyond in getting all the paperwork done so we could close on time. They made alot of phone calls and stayed right on top of everything.”
Sharon B. Old Orchard Beach, ME
“I was kept current on all information and everyone was so helpful. The closing was smooth and easy. Mike and team were wonderful!”
Richard C. Sanford, ME
“I appreciated Michael Ramini and his team's help so much. Their office is in Sanford, Maine and were extraordinary throughout the whole process. They explained everything beforehand which alerted me to what was to come. They promptly responded to ever phone/email inquiry. They helped the underwriters acquire necessary information. They told me about ways of giving information that might prove easier to the underwriters. Great folks.”
Jane C. Shapleigh, ME
“He works as part of the team (agent, borrower, and lender). The whole home buying process is a stressful process, but not when everyone works together as a team - Mike keeps everyone in the loop from start to finish. If there is a snag or hitch he works along side the borrower and/or agent so that we can all work to get through and close on time.”
Diane C. Waterboro, ME
“He and his right hand, Michelle, were very proactive in resolving any issues that arose in a timely manner.”
Mark H. Lebanon, ME
“Great job! Took this over from another lender and closed in 3 weeks!”
Jourdan S. South Portland, ME
“GREAT JOB”
Cammie P. Berwick, ME
“Everything went well considering the government shut down. Thanks for a great experience!!”
Gordon W. Acton, ME
“Did everything I had hoped for!”

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