Know your buying power
See what you may qualify for before you shop — soft start, no hard pull.
Learn moreYour loan officer · NMLS #2615400
Hi, I'm Ram. Let's find what you actually qualify for.
One licensed officer who knows your situation from the first question to the closing table — whether you're buying, refinancing, or planning your next move.
- PA
- Licensed PA
- Mortgage Loan Officer
Call or text Ram directly: (717) 681-4694
Intra-Mortgage · 5.0 on Google
NMLS #2615400
No credit pull to start
A team behind you, one officer to call
PALicensed
About Ram
Clear guidance for your next move
Ram Shrestha is a licensed mortgage professional serving borrowers in PA. Connect to discuss loan programs, timing, and next steps.
Reach out for a no-pressure conversation about your goals and the options that may fit your situation.
Clarity from first call to closing
Loans for your life and budget
Compare conventional, FHA, VA, USDA, and refinance in plain language.
Learn moreClose on a home you can afford
Ram stays with your file from documents to closing.
Learn moreA clear path. No surprises.
Connect with Ram
Share your goal and timing — buy, refinance, or equity.
Review your options
Compare paths, payments, and cash needed clearly.
Get pre-approved
Know what you may qualify for before you offer.
Browse with confidence
Shop with numbers, next steps, and a direct line.
What Ram's buyers should know
Rates
Market conditions change weekly
Lock strategy depends on closing date, loan type, and credit. We’ll map a plan that fits.
Learn morePrograms
Conventional, FHA, VA, and more
Compare options side by side — not just the lowest advertised rate.
Learn moreTimeline
Close with confidence
We coordinate with your agent, title, and insurance so surprises stay rare.
Learn morePrograms
Loan options Ram can help you compare
Availability varies by state, property, and profile. Ram helps you compare options clearly.
- ConventionalFlexible credit and down-payment paths.
- FHALower down payment, flexible guidelines.
- VAZero-down options for eligible buyers.
- USDALittle or no down payment in eligible areas.
- RefinanceLower payment or access equity.
- First-time buyerPrograms, cash to close, and next steps.
Want a starting number?
See how to build a budgetCommon questions
Ready to talk through your next move?
Buying, refinancing, or just getting oriented — Ram can walk you through what may fit.
Prefer to talk first? Call (717) 681-4694 · Text Ram · Email us