YOUR MORTGAGE is a click away
619.846.4492our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
With 23 years of experience, Ray Miranda is a Mortgage Loan Officer at Neighborhood Loans in Chula Vista, CA. What started as a chance career quickly became his passion, driven by a love for numbers, homes, and the opportunity to change lives—helping people achieve the American Dream. Ray is known for his honesty, reliability, and integrity, always putting clients first. He brings a lifetime of experience to his work, ensuring they receive expert guidance with trust and transparency. With deep industry knowledge, he leads clients through homeownership with confidence. His work ethic is built on service and a commitment to helping families create generational wealth—both for his own family and those he serves. His time in the Marine Corps instilled in him a deep desire to serve others, and that same servant’s heart drives him today. A veteran, devoted husband, and father, Ray embodies the Marine Corps values of honor, courage, and commitment in every aspect of his life and work. Faith and family are his foundation, shaping the way he leads, serves, and supports those around him. To Ray, success isn’t just about closing loans—it’s about making a lasting impact in the lives of others. Whether guiding families to homeownership or creating memories through travel and great food, he approaches everything with dedication and heart, always striving to serve with purpose.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
