Minerva Lopes Ramos

NMLS # 187676

301-881-5555 x 113

mramos@americatrustfunding.com

Minerva Lopes Ramos Senior Loan Officer

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
4.8
33 reviews
John
Freddy is amazing to work with. He is very responsive, detailed, and upfront. He lays out all of the best options for you situation and even helps you make your financial situation better! Definitely would recommend. Freddy fights for his clients
Freddy is amazing to work with. He is very responsive, detailed, and upfront. He lays out all of the best options for you situation and even helps you make your financial situation better! Definitely would recommend. Freddy fights for his clients

John

1 year ago

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David Abraham
awesome lender to work with Helio and his team are extremely knowledgeable and professional would highly recommend them to anyone looking for a loan.
awesome lender to work with Helio and his team are extremely knowledgeable and professional would highly recommend them to anyone looking for a loan.

David Abraham

1 year ago

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Thania Ruiz Pineda
Excelente servicio, el señor Fredy y su equipo de trabajo muy profesional, muy bien informados. Gracias por la ayuda!
Excelente servicio, el señor Fredy y su equipo de trabajo muy profesional, muy bien informados. Gracias por la ayuda!

Thania Ruiz Pineda

1 year ago

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Michelle Vasquez
Mi experiencia trabajando con Freddy Cova haciendo la transacción de mi casa fue sencillamente excelente. Me ayudo a conseguir lo que necesitaba en el tiempo que lo necesitaba y cuando nadie más me pudo ayudar el lo hizo posible. Gracias Freddy. No dudo e ...
Mi experiencia trabajando con Freddy Cova haciendo la transacción de mi casa fue sencillamente excelente. Me ayudo a conseguir lo que necesitaba en el tiempo que lo necesitaba y cuando nadie más me pudo ayudar el lo hizo posible. Gracias Freddy. No dudo en seguir recomendando a mis amigos y familiares para que trabajen contigo.
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Michelle Vasquez

1 year ago

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medardo rincon
Let me start by saying, Freddy Cova and his team were a godsend. My family and I have been working with Freddy and his team for over 10 years now without them our dreams of owning a home would’ve never happened when it did. Not only has he helped us with ...
Let me start by saying, Freddy Cova and his team were a godsend. My family and I have been working with Freddy and his team for over 10 years now without them our dreams of owning a home would’ve never happened when it did. Not only has he helped us with buying our home but also moved us into the path of financial literacy. They go step by step with you and your family on how to get your credit and finances in order to better mine and my family’s life. Not only is Freddy the best mortgage broker but has become part of my family. Trust and believe, you will not go wrong in starting a relationship with American trust funding.
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medardo rincon

1 year ago

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Jose Baires
My experience with Freddy Cova America Trust Funding was excellent. They explain it to you completely, step by step, and the process. I would recommend them 100 percent.
My experience with Freddy Cova America Trust Funding was excellent. They explain it to you completely, step by step, and the process. I would recommend them 100 percent.

Jose Baires

1 year ago

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Morena Salvador
Freddy and his team at America Trust funding were very professional walked me through the whole process of refinancing, Freddy was very professional and kept inform of whom was going to be contacting me for information. This made feel confident of him and ...
Freddy and his team at America Trust funding were very professional walked me through the whole process of refinancing, Freddy was very professional and kept inform of whom was going to be contacting me for information. This made feel confident of him and American Trust Funding. I would 100% recommend Freddy and team. Thank you
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Morena Salvador

1 year ago

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jessica anaya
Freddy Cova , it has an excellent team that helps us step by step to process all the steps to obtain your loan . It is one of the best in the DMV area .
Freddy Cova , it has an excellent team that helps us step by step to process all the steps to obtain your loan . It is one of the best in the DMV area .

jessica anaya

1 year ago

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Jorge Barreda
Nuestra experiencia con América Trust Funding, fue excelente con el Señor Freddy Cova muy profesional en su trabajo desde que empezamos hasta que hizo el cierre. Gracias a Dios muy Bendicidos porque por medio de ellos logramos nuestro sueño. Recomendamos ...
Nuestra experiencia con América Trust Funding, fue excelente con el Señor Freddy Cova muy profesional en su trabajo desde que empezamos hasta que hizo el cierre. Gracias a Dios muy Bendicidos porque por medio de ellos logramos nuestro sueño. Recomendamos al Sr Freddy Cova y su equipo de trabajo. Bendiciones.
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Jorge Barreda

1 year ago

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Isai Navarro
Recomiendo 100% este lugar y al señor Freddy Cova, gracias a él pude obtener el prestamo para mi casa de una manera rápida y sin tanto estrés, gracias Freddy por su honestidad y profesionalismo.
Recomiendo 100% este lugar y al señor Freddy Cova, gracias a él pude obtener el prestamo para mi casa de una manera rápida y sin tanto estrés, gracias Freddy por su honestidad y profesionalismo.

Isai Navarro

1 year ago

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Sonia Cortez
Fredy Coba is a great human being, he helped guide me throughout the process when I bought my house, he has always been there to answer any questions ,I have recommended him to friends and family and I will continue to recommend him 100% recommended
Fredy Coba is a great human being, he helped guide me throughout the process when I bought my house, he has always been there to answer any questions ,I have recommended him to friends and family and I will continue to recommend him 100% recommended

Sonia Cortez

1 year ago

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Wilton Matos
Helio at ATF has done my mortgages since my first purchase in 2010! Very professional and competente! The best in the entire DMV! Highly recommend
Helio at ATF has done my mortgages since my first purchase in 2010! Very professional and competente! The best in the entire DMV! Highly recommend

Wilton Matos

1 year ago

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Lesbia Ramirez
Les recomiendo 100% a Freddy Cova Es muy profesional y amo su honestidad es una Excelente persona Mi Familia y yo Estamos muy agradecidos con el apoyo que nos dió al principio y hasta el final qué Dios me los guarde Siempre para qué él pueda seguir ayudan ...
Les recomiendo 100% a Freddy Cova Es muy profesional y amo su honestidad es una Excelente persona Mi Familia y yo Estamos muy agradecidos con el apoyo que nos dió al principio y hasta el final qué Dios me los guarde Siempre para qué él pueda seguir ayudando a más Familias cómo ayudo a la mía Estoy infinita mente agradecida con él y con Dios por poner personas buenas en nuestro Camino se los recomiendo America Trust Funding
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Lesbia Ramirez

1 year ago

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gloria flores
El señor Freddy Cova nos fue de gran ayuda para obtener el préstamo para mi casa, le estoy muy agradecida por su profesionalismo y gran paciencia, lo recomendé con toda mi familia y amigos.
El señor Freddy Cova nos fue de gran ayuda para obtener el préstamo para mi casa, le estoy muy agradecida por su profesionalismo y gran paciencia, lo recomendé con toda mi familia y amigos.

gloria flores

1 year ago

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Helen Silva
I recommend it 100%, Fredy is very professional and I love his honesty. I love hearing his advice before, during and even after purchasing a property. My family and friends who have had the experience of buying with them are more than grateful for the exc ...
I recommend it 100%, Fredy is very professional and I love his honesty. I love hearing his advice before, during and even after purchasing a property. My family and friends who have had the experience of buying with them are more than grateful for the excellent service they have offered us in the purchase of all the properties that many of us have as homes today. Lo recomiendo 100%, Fredy es muy profesional y amo su honestidad. Me encanta escuchar sus consejos antes, durante e incluso después de haver realizado la compra de una propiedad. Mi familia y amigos que han tenido la experiencia de comprar con ellos están más que agradecidos , por el excelente servicio que nos ha ofrecido en la compra de todas las propiedades que hoy muchos tenemos como hogar.
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Helen Silva

1 year ago

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Samuel Rozolem
I’m glad to have done businesses with this American Trust Funding. They are very professional and worked with us in very step of the way. I will definitely do business with them again.
I’m glad to have done businesses with this American Trust Funding. They are very professional and worked with us in very step of the way. I will definitely do business with them again.

Samuel Rozolem

1 year ago

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Luis Urbina
I’ve had the opportunity to get my mortgage needs taken care by America Trust funding more than once and I have always been very satisfied with the process from the beginning consultation until the closing date. The entire team is very professional and pl ...
I’ve had the opportunity to get my mortgage needs taken care by America Trust funding more than once and I have always been very satisfied with the process from the beginning consultation until the closing date. The entire team is very professional and pleasant to work with. They care about their customers needs and concerns, there are no hidden costs or extra fees, but most important, they tried always their best to get the best deal to their clients. I have compared with other companies in the area, and they are not a match for America Trust Funding. I have also referred friends and colleagues and they always thank me for referring their refinance or home purchases to them. I look forward to get my next home dream purchase from America Trust Funding. Thanks for keeping it real and helping our communities to reach their American Dream.
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Luis Urbina

1 year ago

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Adelaide Pereira
I recently purchased my first home and America Trust Funding team was very helpful and upfront with all the processing details ..., I'm very happy with their service and interest rate.
I recently purchased my first home and America Trust Funding team was very helpful and upfront with all the processing details ..., I'm very happy with their service and interest rate.

Adelaide Pereira

1 year ago

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Dave Posin
I’ve worked with other Mortgage Companies in the past and I’m so glad I found America Trust Funding. They were very professional and by far got me the best rate than anyone I spoke with. The process was quick and easy. Which for me is more important than ...
I’ve worked with other Mortgage Companies in the past and I’m so glad I found America Trust Funding. They were very professional and by far got me the best rate than anyone I spoke with. The process was quick and easy. Which for me is more important than anything. Thank you for taking care of me!
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Dave Posin

1 year ago

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Luis Bitencourt
These guys make things happen. They are detail oriented and truthful to their clientele. I have bought two houses and several refis with them and I can’t express how happy I was with all these processes. I have brought my family and friends to do business ...
These guys make things happen. They are detail oriented and truthful to their clientele. I have bought two houses and several refis with them and I can’t express how happy I was with all these processes. I have brought my family and friends to do business with them and the general consensus is always happy with the services provided. Just great.
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Luis Bitencourt

1 year ago

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Jaire Oliveira Jr.
Great experience, Helio and his team was right on task since day one. We closed on our property just under 20days. We had some great advices and they tailored our loan just the way we wanted. Thank you for the great experience
Great experience, Helio and his team was right on task since day one. We closed on our property just under 20days. We had some great advices and they tailored our loan just the way we wanted. Thank you for the great experience

Jaire Oliveira Jr.

1 year ago

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Guilherme Fonseca
I have done (2) loans with America Trust funding, and I experienced a great journey with them. Helio was able to find me the best rate, and they were very quick on getting me to closing. Would definitely use them again.
I have done (2) loans with America Trust funding, and I experienced a great journey with them. Helio was able to find me the best rate, and they were very quick on getting me to closing. Would definitely use them again.

Guilherme Fonseca

1 year ago

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Nathalia Bandeira
Work with American trust funding was a very good experience. I really recommend his group for all your real state needs.
Work with American trust funding was a very good experience. I really recommend his group for all your real state needs.

Nathalia Bandeira

1 year ago

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Cleiton De Veras
Helio Sousa is the best Loan Advisor and broker I have ever worked with. He always understand the customer needs and work on the clock to meet the expectations, which he usually exceeds.
Helio Sousa is the best Loan Advisor and broker I have ever worked with. He always understand the customer needs and work on the clock to meet the expectations, which he usually exceeds.

Cleiton De Veras

1 year ago

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Marco Saraiva
Knowledgeable and efficient professionals! I’m a repeat customer, having used America Trust Funding for purchase and refinance. Very pleased with the whole process, from the first contact with the loan officer, until the closing day.
Knowledgeable and efficient professionals! I’m a repeat customer, having used America Trust Funding for purchase and refinance. Very pleased with the whole process, from the first contact with the loan officer, until the closing day.

Marco Saraiva

1 year ago

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Luiz Palacio
My review of AMERICA TRUST FUNDING could not be other than “excellency”. Their highest lever of professionalism and honesty has gave me the trust and confidence to bring my clients for their financing needs for many years and for the years to come. I high ...
My review of AMERICA TRUST FUNDING could not be other than “excellency”. Their highest lever of professionalism and honesty has gave me the trust and confidence to bring my clients for their financing needs for many years and for the years to come. I highly recommend ATF not only to all my clients, but also to many other Real Estate professionals in search for a reputable and successful lender.
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Luiz Palacio

1 year ago

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luricsa quintana
America trust funding has been a blessing to me, I am an investor and American trust funding has helped me close 10 loans smoothly. I highly recommend American trust funding as a lender, Helio Souza and his team are the best.
America trust funding has been a blessing to me, I am an investor and American trust funding has helped me close 10 loans smoothly. I highly recommend American trust funding as a lender, Helio Souza and his team are the best.

luricsa quintana

1 year ago

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Meilyn Cabrera
I recently worked with Helio to secure a mortgage for my new home and I couldn't be happier with the service I received. From the very beginning, Helio was extremely helpful and professional. He took the time to thoroughly explain all of my options and he ...
I recently worked with Helio to secure a mortgage for my new home and I couldn't be happier with the service I received. From the very beginning, Helio was extremely helpful and professional. He took the time to thoroughly explain all of my options and helped me find the mortgage that was right for me. The process was quick and smooth. I was particularly impressed with Helio's attention to detail and his ability to get things done efficiently. He made the process of getting a mortgage as stress-free as possible, which was greatly appreciated. Overall, I would highly recommend Helio to anyone in need of a mortgage. He is knowledgeable, professional, and will go above and beyond to ensure that his clients are satisfied. Thank you, Helio , for all of your help!
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Meilyn Cabrera

1 year ago

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Stefan Touani
Great staff! Best in the DMV!
Great staff! Best in the DMV!

Stefan Touani

2 years ago

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Nelson Nunez
Best of best to place to refinance or buy your dream house high recommend
Best of best to place to refinance or buy your dream house high recommend

Nelson Nunez

4 years ago

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Debora Monteiro
Darlene is amazing! Very attentive to details, supportive. Filled with joy and so passionate about making a great deal for her clients. I am so happy to work with her in our loan and with my parents loan. Thank you Darlene!
Darlene is amazing! Very attentive to details, supportive. Filled with joy and so passionate about making a great deal for her clients. I am so happy to work with her in our loan and with my parents loan. Thank you Darlene!

Debora Monteiro

4 years ago

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