Headshot of Gina Ramseyer

Gina Ramseyer

Loan Officer

Team Hoss

NMLS #1454735

Adress
116 East Main Street
St. Charles, IL 60174
Contact Methods
Email
tel Phone
630-423-8036
mobile Mobile
(630) 329-6820
fax Fax
630-580-0856
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Gina

I’ve been in the mortgage industry since 2015, starting as a processor before passing my NMLS to sell! I joined the Hoss Team in 2019 and am proud to work with my team to guide clients through their home financing journey. When you work with us, I’ll start by discussing your specific circumstances so we can offer the mortgage options best suited to you. I’ll provide information on every aspect of the home financing process and each home loan program available. Whether conventional or jumbo, FHA or VA, we’ll find the product to make your dreams a reality.

From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too. Communication promotes confidence, and I want you to feel confident every step of the way.

No matter if you’re buying, refinancing, or renovating, I look forward to giving you an outstanding mortgage experience.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

  • Father and daughter stand outside of their new home
    Published on

    What Is A Lender Credit?

    Discover how lender credits can ease your homebuying journey by covering closing costs. Learn their benefits, drawbacks, and how they impact your mortgage.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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