Ramez Fahmy

Caliber Home Loans Equal Housing Opportunity
Job Title
Branch Manager
Career Started
2600 Tower Oaks Blvd Ste 100, Rockville, Maryland
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Ramez Fahmy

I have helped thousands of clients pursue home ownership since 1994. Along the way, I have met many great people and they have trusted me to handle mortgages for friends, colleagues, family members, many of which return multiple times. I have been recognized in the top 1% of mortgage originators nationwide since 2000. My team uses the Ultimate Home Buyer Experience Digital Mortgage process and a single point of contact customer service model to provide a better mortgage experience. We can be your customer service contact for the life of your loan, not just when the loan is in process. We use our safe and secure technology to speed up the process, but will be available on the phone or in person 100% of the time to answer your questions. We are high touch, followed by high tech.

Ramez's Reviews

5.0 Stars - 42 Reviews
"Ramez Fahmy helped us solve a particularly difficult problem in a way we would not have thought was possible. Caliber Loans has a very organized, electronic process that made this the smoothest real estate transaction we have ever been part of. At the same time that it was mostly electronic, there was always someone available to help when needed."
Buying - Wheaton, Maryland June 2018
"Ramez was awesome to work with and his team is amazing especially Mike Silverstein. Very thoughtful and definitely have their client’s best interests at heart at all times."
Refinance - Kitty Hawk, North Carolina December 2017
"Outstanding support and assistance securing our mortgage. Ramez and his staff were very responsive and answered all of our questions and concerns with the process. Very much recommend him and Caliber!"
Buying - Fairfax, Virginia June 2018
"Overall, everyone did a good job of obtaining a reasonable mortgage and explaining the confusing details. The process was, in general, as painless as it could have been."
Refinance - Boynton Beach, Florida July 2018
"Very helpful in the loan process."
Buying - Hyattsville, Maryland June 2017
"From the very start, Ramez was informative, responsive, and offered highly personalized services, which as a first-time home buyer was extremely helpful! Over a year later, Ramez and his staff continue to have quick, thorough responses whenever I have a question or concern. Cannot recommend Ramez and the Caliber team enough!"
Buying - Washington, District of Columbia May 2017
"Ramez and his team were second to none on communication and keeping the process run smoothly."
Buying - Silver Spring, Maryland June 2018
"Ramez and his team were extremely professional, personable, and responsive. As first time homebuyers, my wife and I particularly appreciated the time Ramez took to answer every question, no matter how small, and to make us feel comfortable throughout the process. We were very impressed and would (and will!) recommend them to anyone looking to purchase a home."
Buying - Washington, District of Columbia June 2018
"Great quick job on a second home purchase in NC very smooth, I’m a long time realtor & would recommend Ramez highly"
Buying - Kenly, North Carolina April 2017
"Great team! Ramez led the process in a very professional manner and even came to our closing to make sure we were happy with the experience."
Buying - Silver Spring, Maryland February 2018
"Ramez and his team are incredibly helpful, always available, and do a fantastic job of answering all questions related to the home loan process. I greatly appreciate their flexibility and willingness to work with their clients."
Buying - Pittsburgh, Pennsylvania July 2018
"Ramez was a true professional. He went out of his way to make the process as simple as possible and worked his magic to get me the lowest rate out there. It was a wonderful experience and I recommend him to anyone looking to purchase a home."
Buying - Wheaton, Maryland February 2018
"Ramez, Michael, and the team are true professionals and managed to resolve issues so I didn’t have the headaches. Very much appreciate their expertise."
Buying - Washington, District of Columbia July 2018
"Awesome service... the best."
Buying - Lutherville Timonium, Maryland December 2017
"Ramez and Michael were so easy to work with, and really open to telling us all our best options. We loved working with Caliber, and like supporting a more local mortgage lender!"
Buying - Washington, District of Columbia August 2018
"We have been clients of Caliber for over 10 years, for one refinancing and 2 house purchases. Caliber is always our go-to lender because of their professionalism, friendliness, helpfulness, knowledge and especially how they stay on top of things and keep us in constant communication. On the closing we just completed, both our realtor and title company told us they had never heard of or worked with Caliber before but were very impressed with them as a company and how easy they were to work with. Caliber and their great staff get our highest praise and 5 stars!"
Buying - Staunton, Virginia October 2018
"I whole-heartedly recommend Ramez and Michael to help with your home buying or refinancing needs. I am a divorced, single mother and they helped me to buy my first home by myself and to do a refinance without adding any stress to my life. I knew I was in good hands. They responded to any question I had immediately. It is worth noting that they continue to respond to any questions I have in a very timely manner. I know you will have your needs met with Ramez’s team."
Buying - Brookeville, Maryland April 2017
"Ramez and Michael were helpful throughout the process of securing our mortgage. They answered all of our questions, large or small, and explained complicated or unfamiliar ideas to us in digestible terms. In addition, they were available when we needed them, and communicated to us information about our approaching deadlines/obligations fully and promptly by email or phone, as needed. My wife and I enjoyed working with Ramez and Michael, and recommend their services."
Buying - Silver Spring, Maryland September 2018
"Very pleased with the support and effort to help us understand our mortgage process. Thank you!"
Buying - Fairfax, Virginia December 2018
"Ramez and his team are the best in the business. Ramez made the process easy, quick, and saved me money. I highly recommend working with Ramez and Caliber."
Buying - Washington, District of Columbia November 2018
"Ramez is simply the best! Very knowledgeable about different loan options. Ramez makes the entire process streamlined & simple."
Buying - Corolla, North Carolina November 2018
"I have dealt with Ramez for almost 20 years now. He and Mike have handled 5 different loans for me. They are professional, efficient, and on their game. They look out for me and even anticipate my questions. I have and will continue to refer my friends and clients to them. They treat you like you are part of the family."
Buying - Mc Henry, Maryland September 2017
"When I bought my first home in 2014, it was Ramez's relationship with the seller's agent that put my offer over the top since they knew that closing with his team involved was a sure thing. I have worked with Ramez, Michael and team multiple times since, and I could not have asked for a better experience each time! Their commitment to customer service, thoroughness, and overall professionalism is unmatched."
Buying - Silver Spring, Maryland February 2019
"Ramez and team did a great job! I would highly recommend them to any of my friends or colleagues looking to buy a home or refinance."
Refinance - Potomac, Maryland February 2019
"As first time home-buyers looking to purchase our first home, we wanted to work with someone who would find us the best rate by exploring multiple programs, work within our budget even though it was smallish for the DC area, and who would not make us feel like we were asking too many questions. Ramez was a perfect fit for us. Whenever we wanted to make an offer on the house, he gave us multiple estimates, advised us how to save money by looking at closing costs and down payment options, and was always kind, considerate, and responsive. He gave us honest feedback about what he thought our best options were, and never made us feel pressured to go with one option over another. I could not be more grateful for his time, and how he managed to make something that was scary to me feel really straightforward and pleasant. The online system for application with Caliber was simple, and there were 0 surprises at closing. Thanks, Ramez, for being kind, professional, and patient with us!"
Buying - Brentwood, Maryland March 2019
"Great service. Hand held the entire process from start to finish with someone (me!) who is unfamiliar and uncomfortable with mortgages. Ramez and Michael were outstanding...I felt like I was dealing with a family member."
Refinance - Potomac, Maryland March 2019
"Ramez and his team were great - they worked with us through the whole process and made sure that everything was ready to go for closing, without any surprises. Their web portal is very easy to use for managing payments and making changes and the team makes themselves very available for helping at a moment's notice, from writing pre-approval letters to answering questions about things after closing. Highly recommended!"
Buying - Silver Spring, Maryland March 2019
"Ramez Fahmy was recommended from my realtor as a VA first time home buyer. I am so grateful that it was him! Buying a home these days is crazy with the amount of paperwork and numbers floating around. Ramez was 100% fantastic about answering all my questions, explaining what I didn't understand, and replying quickly to every email, text, and phone call. I would highly recommend Ramez to anyone buying a home no matter what type of loan it is. We can not thank him enough for helping us into our home."
Buying - Frederick, Maryland April 2019
"I give my highest recommendations to Ramez and his team at Caliber. We ended up having some issues with our initial lender less than 2 weeks before our scheduled closing. In less that a week, Ramez and Michael sorted everything out for us and we were able to close on time. My family and I are so grateful for the amazing service we received! Thank you!"
Buying - Silver Spring, Maryland April 2019
"I've worked with Ramez on two home purchases now and each time he was incredibly patient in answering all my questions, responsive, respectful and all around enjoyable to work with. He also provides the best rates! I strongly recommend Ramez for all home financing needs."
Buying - Bethesda, Maryland November 2019
"Caliber was one of the three lenders I contacted. Ramez and his team were responsive and communicated clearly about requirements. Most importantly, they were able to turn around the loan much more quickly than other prospective lenders I contacted: this made it possible to close on the purchase."
Buying - Silver Spring, Maryland January 2020
"My husband and I are first time home buyers and was not sure where to even get started. Ramez came highly recommended by our agent Stephen Mercer and I am glad we took his recommendation. We talked to two local lenders, one credit union, and USAA but Ramez was the best and the most responsive! He answered all of our questions, provided multiple estimates, and advised us on how to adjust the design of the loan so we could reach the monthly payment amount we were aiming for. While working with him, I never felt pressured to make any decisions I was uncomfortable making. When talking to other friends who bought recently, they were all very surprised with how smooth our process was in comparison. I will work with Ramez again if I ever need to refinance or purchase another home. Thanks Ramez!"
Buying - Washington, District of Columbia March 2020
"I used Caliber Home Loans for my home purchase in February and was very impressed with how quickly and professionally the process went! I was able to make a great offer and close in a very short amount of time. Ramez and Michael were always very quick and helpful whenever I had questions or concerns during the loan application, available by phone and responding to emails within the same day. In addition, the interest rate I was able to get was as low or lower than anything I else I was quoted, and I searched thoroughly! I would recommend using Ramez Fahmy and Caliber Home Leans for anyone looking for a speedy loan process with incredible customer service."
Buying - Hyattsville, Maryland March 2020
"Ramez and Michael are simply the best. From pre-approval all the way through to securing the "clear to close" on our recent home purchase (our third transaction with them), the timely guidance and direction they provided ensured our loan application process was smooth and stress-free (even amidst a pandemic). The loan terms they were able to offer were also superior to any other we could find. For anyone looking to purchase or refinance, we would highly recommend they consider Caliber, and specifically Ramez and Michael for their outstanding knowledge and service."
Buying - Rockville, Maryland May 2020
"The best decision I have made all year was to refinance my home with Ramez. He and his team made the process incredibly easy and efficient. Not only did he get us a fantastic rate, but the team provided top-quality customer service & was extremely responsive to our questions along the way. The process could not have been smoother. "
Refinance - Crofton, Maryland May 2020
"Ramez and team were outstanding to work with. They were always timely and responsive with communication, including nights and weekends. They provide expert lending consultation and financing alternatives. They seemed to have my best financial interests in mind. Would absolutely recommend to any home buyers."
Buying - Washington, District of Columbia May 2020
"As first time homebuyers, working with the Ramez Fahmy Mortgage Team and Caliber Home Loans gave us an incredible sense of security. Ramez was consistently and readily available to answer questions in a way we understood them, and was always friendly, down to earth/easy to talk with, and professional. His team, including Michael Silverstein, made sure we understood every step of the process and seamlessly shepharded us through our home purchase. We were grateful to have such a strong team behind us help us win the bid on our dream home and see it through to closing and beyond. Definitely recommend working with Ramez and team!"
Buying - Wheaton, Maryland July 2020
"We worked with Ramez two years ago when we purchased our first home, and the process was so transparent, easy (or at least much easier than we expected as first-timers), and fluid that it was a no-brainer to work with Ramez and his team when we decided to refi this spring. Ramez got us a great rate, and the process was once again seamless. If/when we buy again we will definitely use the Fahmy team! "
Refinance - Takoma Park, Maryland July 2020
"Purchasing a home on my own had me a bag of anxiety. I had nothing to worry about. I have never felt more informed, supported and comfortable working with a company. I would only recommend Caliber and Ramez Fahmy to my friends and family."
Buying - Towson, Maryland August 2020
"Ramez was great. We have done two re-finances with him. I highly recommend him. "
Refinance - Rockville, Maryland September 2020
"Ramez and team get my highest recommendation. They made the entire process an absolute breeze. They were very communicative and friendly in every step of the process. He moved very quickly to make sure we had our paperwork for the offer. We are first-time homebuyers and I was expecting the mortgage process to be stressful, but it was not stressful in the least. Awesome!"
Buying - Silver Spring, Maryland December 2020
"Ramez, Michael and the team did an incredible job both with our first mortgage and our refinance. Their team is responsive, hard working and transparent throughout the process. At every step they were able to take the time to address any concerns I had, review the conditions of the loan and talk about alternatives that would save us money. There are so many things that are done behind the scene and the Ramez Fahmy team focuses on making your experience as simple and straightforward as possible. 10/10 would recommend this team to anyone interested in buying or refinancing. "
Refinance - Washington, District of Columbia March 2021

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