Raymond Bramzel

Mortgage Loan Manager  NMLS: 505792

DE FHA CHUMS Underwriter & Certified FHA Credit Examiner          

Certified Ambassador of National Association of Mortgage Underwriters

Certified in Due Diligence in Underwriting & Processing


Raymond has been in real estate secured lending for over 35 years with a career in real estate secured loans including, mortgage underwriting for retail correspondent mortgage bankers, wholesale lenders and mortgage insurance companies as well as having been a former COO for 10 years for a large privately owned investment mortgage banking corporation.  Read more here. 

He started in The SFR Mortgage Industry as a Loan Originator in 2001 and the obtained his DE FHA CHUMS in 2002 to become a FHA mortgage underwriter and has been a Regional Operations Manager Underwriter Level 4, QA and QC auditor, trainer of loan originators, underwriters and processors. He has also been a forensic reviewing closed loans, performance and bulk purchasing analysts for secondary market investors. He has been delegated with a single signing authority up to $2,000,000 loan amount in all 50 States.  As a Senior FHA Underwriter Team Lead, he received a service. He has successfully taken four companies to obtain their FHA Lender Approval; underwriting their FHA Test Cases.

He is resident in The Pacific Northwest Puget Sound Seattle Metro Area since 2006 working remote and in offices. Raymond is very committed to the SFR Mortgage Lending Industry and is regarded as a Subject Matter Expert. He is originally from The UK, a Naturalized US citizen and has been in The USA since 2000, having previously been awarded his Freedom (Keys) of The City of London by nomination for service and work in improving communities' quality of life.  He has a number of interests that include horology as a Swiss mechanical wristwatch collector, sports kite flying, water sports, public speaking, travelling, amateur photography and many outdoor activities as well as having been involved in community charitable activities.

Read more here with the Mortgage Splicer.


Client Feedback


"Raymond is simply the best and most knowledgeable FHA underwriter I have ever worked with." Stuart Gersh Senior Loan Officer

"Raymond, you are the MAN and very happy to have crossed paths with you and will Definitely maintain contact with you and look forward to sharing with you What transpires going forward. Have a wonderful happy and safe new year and may God continue to bless you my friend.
Raymond, the day you called in September and an awesome conversation we had... think the world of you instantly and your well needed approach to FHA UW is so TRUE the guidelines intent! Have a phenomenal year!"  Jamie Warner
"Raymond is a brilliant underwriter! He embodies all the qualities we look for in our underwriters: attention-to-detail, integrity, professionalism and enthusiasm. He has raised the bar considerably, as his expertise is unrivaled! I look forward to working with him again on future projects."  Javonne P. Mate MBA, PMP, ITIL 

"Raymond is an expert in his field. He is a delight to work with and understands our company's needs and goal. We are proud to have him in our team. Thank you Raymond!" - Charita King

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