San Francisco mortgage expert Josie Ramirez helps clients achieve their homeownership dreams. As a Loan Officer with FirstCitizens Bank & Trust, Josie provides tailored mortgage solutions to borrowers throughout the Bay Area. With a deep understanding of the local market, she guides clients through every step of the mortgage process, from application to closing. Available during standard business hours (9 AM - 5 PM), Josie is committed to providing exceptional service and finding the right mortgage fit for each individual's unique needs. Contact Josie today to explore your mortgage options.