With 23 years in the business, Ralph is the mortgage expert you’re looking for. Integrity and respect are at the heart of everything he does and he works hard to help his clients find financial freedom.

“When I work with a client, my number one goal is to make a positive difference in their life as well as their mortgage transaction.”

Ralph knows the ins and outs of the mortgage industry. He holds his underwriting designations and was an underwriting manager before he moved into his position of Vice President of Lending and his current position. This education makes him uniquely qualified to help you navigate the often-times confusing world of mortgages.

Because of his time in the industry, Ralph recognizes that one of the biggest challenges his clients are currently facing is high-interest credit obligations, such as credit cards. He helps solve those problems by using his client’s home equity as a retirement tool. Simply put, by eliminating their high interest credit obligations, Ralph’s clients can use the money saved and pay off their home faster thus creating a free & clear property… which equals retirement!

As a busy dad of two boys with busy schedules, Ralph makes sure to take time for what matters. He volunteers at his son’s middle school as a Watch DOG’S – Dads of Great Students. Watch DOG’S provide additional eyes and ears to help create an enjoyable school experience for all. He knows at the heart of it all is Home – a safe place where you can be with family and friends and rest your head at the end of the day.