In celebration of Hispanic Heritage Month, we’re spotlighting some NewFed Mortgage team members. Meet Delmy Ramirez, Loan Officer Assistant, Jesus Paraliticci, Senior Loan Officer, and Nolis Espinal, Senior Loan Officer.
A bit about their heritage:
Delmy: “As a person of Hispanic heritage, I am immensely proud of my cultural roots and the rich tapestry of traditions, values, and achievements that define our vibrant community. I’d like to shed light on the remarkable contributions of the Latino community in the United States, particularly emphasizing the significant roles they play as small business owners, veterans, teachers, and public servants. It brings me immense pride to share the story of my brother and sister who are dedicated small business owners within this vibrant community.
Latinos today continue to make substantial strides in various professions, displaying their unwavering dedication and diligence to uplift communities across the country. As entrepreneurs, they bring a unique blend of cultural heritage, resilience, and entrepreneurial spirit, which enriches the socioeconomic fabric of our society. Small businesses owned by Latinos contribute significantly to local economies, creating job opportunities and fostering economic growth.
In my immediate family, my brother and sister stand as a testament to this endeavor. They have demonstrated exceptional business acumen and perseverance in establishing and managing their own small business. Through their hard work and determination, they have not only achieved success but have also become a source of inspiration for aspiring entrepreneurs within the Latino community.”
Jesus: “I am Hispanic and as a person of Hispanic heritage, I am immensely proud of my cultural roots and the rich tapestry of traditions, values, and achievements that define our vibrant community.
As we celebrate Hispanic Heritage Month, I am reminded of the importance of unity, respect, and understanding among all citizens, regardless of their cultural backgrounds. By embracing diversity and recognizing the immense contributions of the Hispanic community, we move closer to a more harmonious and inclusive society.”
Nolis: “I would like to share a glimpse into my heritage, which fills me with immense pride and a deep sense of connection. The resilience of the Hispanic community is truly inspiring. Despite facing various challenges throughout history, we have persevered and thrived, leaving an indelible mark on the world. Our contributions in art, music, literature, science, and many other fields have enriched the global cultural landscape.”
What languages do you speak?
Delmy: “Spanish & English”
Jesus: “I am fluent in Spanish & English, and proficient in Portuguese and Italian.”
Nolis: “Spanish, English & Portuguese”
What does Hispanic Heritage Month mean to you?
Delmy: “A time for pride and gratitude. Hispanic Heritage Month provides a significant platform to honor and celebrate the legacy of Latinos who have made outstanding contributions in various fields, shaping the cultural, social, and economic landscape of this great nation. It is profoundly meaningful to me that our community is celebrated not just on a particular day, but throughout an entire month. This extended period of recognition allows for a deeper understanding and appreciation of the diverse cultures, histories, and experiences that constitute the Hispanic community. It is a time to reflect on our shared heritage, celebrate our unique identities, and highlight the strength and resilience that unites us.“
Jesus: “I am grateful for the initiatives and events organized during this month that foster cultural exchange, education, and understanding. These events bring people from all walks of life together to learn about our rich traditions, languages, and histories, promoting inclusivity and unity among communities.”
Nolis: “Together, we can create a society that values and celebrates the unique identities and contributions of all its members.”
How do you honor your heritage on a daily basis?
Delmy: “I cook food from my country, I try to incorporate a routine for my kids similar to what my mother and grandmother used to follow when I was a kid. We eat dinner together as a family, have tea before bed and pray.”
What is a family tradition you wish to pass down that your parents have passed down to you?
Delmy: “What I wish to pass down to my kids is the belief in GOD, to attend to church every Sunday, and to get together for festive dates like Christmas and Easter.”
Jesus: “Good family values and hard-working ethics.
Nolis: “I wish to pass down to my kids perseverance & unity as a family. To me Family is everything, and everything I do I do it for them. Plan an annual family vacation or getaway where everyone can relax, explore new places and create lasting memories.”
How long have you been with NewFed Mortgage?
Delmy: “I have been with NewFed for 3 years as a Loan Officer Assistant. I have to say that NewFed Mortgage has been amazing, and I am great full to God for putting me in the path of this great company. I am very thankful to Brian, Eric, Nolis and Jesus for bringing me to the NewFed Family and for this great opportunity. I have never worked for someone before where I felt so appreciated and respected.”
Jesus: “I have been with NewFed for 5 years as a Senior Loan Officer. I have to say that NewFed Mortgage has been amazing. It is a great company. “
Nolis: “I am proud to say that I have dedicated the past 5 years of my career to working for an exceptional company. It has been an incredible journey, and I am greatly for the opportunity and experiences I have gained during this time.
What do you like most about your job?
Jesus: “Sharing my passion for assisting clients with mortgages. At its core, what I enjoy most about my job is the opportunity to make a meaningful difference in our clients’ lives through this vital financial service.”
Nolis: “Assisting clients in securing a mortgage is not just about the transaction—it’s about understanding their aspirations and tailoring solutions that best suit their needs. Building trust and fostering strong relationships with our clients is paramount to me. Knowing that I’ve played a crucial role in simplifying this significant aspect of their lives and contributing to their overall well-being is truly gratifying.”
What brought you to the mortgage industry?
Delmy: “I was a Real Estate Paralegal from 2014-2020, and a Real Estate Agent from 2019 to the present. I would say that I enjoy helping others to accomplish their dreams.”
Jesus: “After finishing my schooling, I decided to start working at a bank (Bank of Boston). About two years after I started working for them, the principal of a mortgage company at that time noticed that I was a hardworking individual with knowledge about banking. He offered me a position at his organization as a loan officer and I have been doing mortgages ever since.”
Nolis: “My decision to pursue a career in mortgages may have been influenced by a combination of personal interests, financial considerations, and skills that aligned with the demands of the industry.”
Do you see an opportunity for mortgage professionals to better serve the Hispanic community?
Delmy: “Yes, it will help a lot if mortgage companies/Lenders had the loan application in Spanish and online.”
Jesus: “The Hispanic community in the United States represents a significant portion of the population, and their contributions to various sectors, including real estate and homeownership, are substantial. To cater effectively to this demographic, it is essential that we bridge any communication barriers and make the mortgage application process as accessible and convenient as possible.”
Nolis: “Yes, one impactful way to achieve this is by offering online mortgage application platforms in Spanish. By providing the application forms, information, and guidance in Spanish, we create a more inclusive and welcoming experience for Spanish-speaking clients. This will enable them to understand the mortgage process comprehensively, make informed decisions, and navigate the application process with confidence.
Moreover, this proactive step aligns with the principle of promoting diversity and inclusivity within the financial services sector. It not only facilitates effective communication but also showcases our commitment to meeting the unique needs of a multicultural clientele.”
What advice would you give to young Hispanic professionals who are looking to get into the Mortgage/Real Estate industry?
Delmy: “To be kind, respectful of different cultures and to be patient.”
Jesus: “I would like to share some words of encouragement and valuable advice, particularly directed towards aspiring young Hispanic professionals aspiring to make their mark in the mortgage and real estate space.
I want to emphasize the power of confidence in achieving your goals and making a significant impact in this industry. Confidence is your greatest ally; it fuels determination, resilience, and the ability to overcome challenges that are inherent to this dynamic field. Believe in your abilities and never underestimate the value you bring to the table.”
Nolis: “In the mortgage and real estate sector, honesty and integrity are non-negotiable virtues. Upholding these principles will not only earn you the trust of your clients but also pave the way for a successful and fulfilling career. Always be transparent and forthright in your dealings, ensuring that your clients have a clear understanding of the processes and decisions involved. Honesty forms the foundation of strong and lasting relationships in this industry. To always remain true to your roots and heritage.”
What advice would you give to Hispanic first-time homebuyers?
Delmy: “To educate themselves before they buy and to be more realistic of what they can afford so that they do not run into issues in the future.”
Jesus: “Some crucial advice for first-time Hispanic homebuyers who are embarking on the exciting journey of homeownership. It is essential for them to be well-informed and realistic about their financial capabilities to ensure a stable and successful future as homeowners. The most fundamental pieces of advice I can offer is to emphasize the importance of education and thorough research before committing to a home purchase. Knowledge is empowerment in the realm of real estate. Educate yourself about the housing market, mortgage options, interest rates, down payment requirements, closing costs, and all other aspects that pertain to buying a home. Being well-informed will enable you to make informed decisions and avoid potential pitfalls.”
Nolis: “I encourage first-time Hispanic homebuyers to embrace the power of patience and persistence. The right home will present itself when the time is right. Avoid rushing into a decision based on external pressures or market trends. Take your time to find a home that aligns with your financial situation, lifestyle, and aspirations. And to remember that homeownership is a long-term commitment, and a thoughtful approach to affordability will ensure your financial stability in the years to come.”
What’s your personal mantra, and where did it come from?
Delmy: “There is a powerful phrase I always say, ‘Who perseveres achieves.’ This small phrase came from the Bible from the book of James 1:12-17.”
Jesus: “My personal mantras are to ‘treat others like you want to be treated,’ and ‘respect and honesty are good guides to success.'”
Nolis: “I do not possess personal beliefs or mantras, as I lack personal experiences or consciousness. However, I can provide you with a popular mantra that many people find inspiring and helpful: “live in the present moment.” This mantra emphasizes the importance of focusing on the here and now, rather than dwelling on the past or worrying excessively about the future. It encourages mindfulness and the cultivation of a deeper sense of awareness and appreciation for the present. This mantra can be found in various spiritual and philosophical traditions, including Buddhism and manfulness practices.”
Thanks for your time, guys! One last question – What are some of your hobbies? What do you like to do for fun outside of work?
Delmy: “I like to run, paint, and spend time with my family.”
Jesus: “My hobbies include spending time with my kids, traveling, and experiencing other cultures.”
Nolis: “I enjoy exercising a lot in the mornings. What makes my heart full of love is being with my kids and bringing them to the park or out for a walk.”