Merry Gray, Oxnard CA

Radha has been a complete pleasure to work with. She’s responsive & concise with her answers to my many questions. I highly recommend Payless Loan Source!


Geetha and Swami Ramadas

Ramesh and Radha Raman, principals, loan agents and real estate agents, provide excellent service. We bought our rental property in Northridge through them and consolidated and refinanced our mortgage loan through them in July 2019 . Once we called them and discussed rates and locked the rate(the best rate with no cost) , we did not have to worry or do anything. The process was seamless and the refi closed in less than three weeks. Excellent job !thank you and we will certainly refer to our friends and family in the future!


Daniel & Jennifer

Ramesh guided my wife and I through the entire home buying process.  From the mortgage application, to looking at homes, and finally purchasing our family home. Ramesh took our individual situation and tailored the contract to our needs.  As a first time home buyer, he represented our interest when items came up during the process that needed to be addressed.  Thank you, Ramesh!


Anand & Prasanthi M., Moorpark, CA

Ramesh handled both the sale of our previous home and purchase of our new home and was a pleasure to work with from start to finish. He is very approachable and remains in close contact throughout the entire process. He is very experienced and knowledgeable about each step of the home selling and buying process and always had immediate and accurate answers to our questions. He also handled our experience with a very difficult and uncommunicative agent with grace. Would recommend very highly and would absolutely use again in the future! Thanks again for the great experience! -Anand & Prasanthi


Ravi R, Porter Ranch, CA

The loan process was seamless. Got the best rates, Zero point, Zero cost and great service. Will definitely recommend to friends.


Bala B, Moorpark, CA

I have recommended tons of people to Payless Loan Source. I want my friends and family to get the best rates that I have been getting for many years. Ramesh is my Realtor too because of his commitment to the client.


Vijay & Sowmya, Newbury Park, CA

We recently purchased a home in Newbury Park (Thousand Oaks, CA) . Ramesh understood very well , the type of house we were looking for. He was proactive in looking and contacting the appropriate personnel, for any houses that came in the market. Ramesh followed up actively with the agents and communicated our thoughts and needs. He made himself available whenever needed and was responsive quickly at all times. Ramesh had also variety of loan options available. He helped us negotiating with solid backing and formidable justifications. We recommend him very much.


Nancy C, Northridge, CA

I am really happy to have worked Ramesh on purchasing a property. I feel like I finally found one of the rare honest realtors in Southern California. I have worked with quite a few realtors between myself, my parents and my in-laws and have never felt that I was completely comfortable with any of them until Ramesh. I always questioned whether or not my realtors understood what I was looking for and if I was being pushed into a sale because the realtors wanted to make a commission. I never felt that way with Ramesh. I was able to feel extremely comfortable with the solid advice that Ramesh had given me and was happy to leave things in his competent hands. He treated me with respect and I never felt like I was wasting his time with my many questions. Ramesh was also able to think outside of the box to get the job done. I highly recommend Ramesh if you are looking to purchase or sell your property, you will be in great hands!! I look forward to working with Ramesh again in the future.


Lilian L, Los Angeles, CA

Ramesh helped me through one of the worst real estate experiences I have ever experienced. I had an unexpectedly complicated transaction with the selling of one property and the purchasing of another. All I got from the other agent was high blood pressure, stress, sleepless nights and headaches. Ramesh was his complete opposite. He never left me hanging and was even a shoulder to lean on when the other transaction was going so poorly and there was no communication from the other realtor for weeks at a time. Ramesh is very professional, courteous, and treats you with respect. When he says that he will do something, you can be sure that it will be done quickly and efficiently. Ramesh is a real partner through the real estate experience. I can very confidently recommend him to all of my friends and family and feel very fortunate to have worked with him.


Uma S, San Jose, CA

I was very pleased with all the hard work that Ramesh Raman put into selling my home, especially since I was living in another city. Even though it was a time of the year when activity was very slow, he held regular open houses and marketed the listing very thoroughly. Ramesh was able to sell my house for the price that I wanted before the listing expired. He handled the escrow process well and everything went very smoothly, with no hiccups. This is especially remarkable since he was a dual agent for this sale. If you’re looking for a agent who will work diligently on your behalf, then I would recommend Ramesh without any reservation.


Frank Briggs, Hollywood, CA

Thank you so much Ramesh. You accomplished what no one else could. We started the process with Wells Fargo almost 16 months ago. Then Green Tree/DiTech last June and the process continued all the way to December 2015 before it completely fell apart. We can’t tell you how much this means to us. You will be the ‘only’ broker we will ever recommend, ever. Thank you so much. We appreciate your hard work so much. – My best, Frank


Melanie Magruder, North Hollywood

Wow! You get a gold star! We can’t thank you enough, Ramesh. You know how long this journey has been for us. We clearly couldn’t have done it without you and our referrals will reflect our esteem. Thank you, Ramesh! There’s a special place in Realtor’s paradise for you… – Melanie


Payless Loan Source

2955 E Hillcrest Drive, Suite 124
Thousand Oaks, California 91362
Phone: (805) 371-0431
Fax: (805) 371-0420

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