Where Integrity And Workmanship Meet

Whether you're looking to renovate, redesign or reconstruct, you need a builder with high integrity and expert craftsmanship to command the project from start to finish. That's where Ray Ramos comes in. Ramos Home Improvement is the name in the game for your next big build.

Ray Ramos Is Your Trustworthy Ally On Your Next Project
Your Trusted Team
Ramos Home Improvement | Ray Ramos
Ray Ramos Is Here To Make Home Improvement A Breeze
If transformation is what you seek, Ramos Home Improvement is your destination. Specializing in bathroom overhauls, kitchen revamps, and comprehensive living space redesigns, we pride ourselves on delivering exceptional quality and service. Let's turn your vision into reality. Contact us to explore more.
Founder and President of HMS
Nathan Durst
Is Here To Make Home Loans Simple
"Home Loans Made Simple." - That's Nathan's mission and finding this company more than a decade ago, Nathan has been able to make that mission possible for thousands of borrowers. HMS stands between you and banks to ensure that your financial needs are represented. When you choose his brokerage you're getting the years of experience he has and the team he has built to help you close your next home loan.
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Make Your Next Transaction A Breeze


Something Custom


That Lasts


Through Guidance


And Beautiful Homes

Your Loan Application

Just fill out one of these applications to get things started with us!

Fast Application

Best option for borrowers interested in buying or refinancing but don't know where to begin.

Takes 5 Mins
Easy to Complete
Obligation Free
Fully Secure
Fill Out Fast App
Full Application

Best option for borrowers looking to buy or refinance fast - please fill out as accurately as possible.

Takes 10-15 Mins
Easy to Complete
Obligation Free
Fully Secure
Fill Out Full App
State of Illinois Community Reinvestment Act
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.