. "0"^^ . . "Excellent!\nI needed a mortgage for a loan and Ralph and his team took care of the whole process! \n\nThis is my first mortgage and I thought it was just a simple credit check and income verification. Heck no! There are a lot of other factors that come into place (especially because of all the scumbags in 2003-2008 who messed it up for genuinely good people in the present).\n\nLong story short if you need a mortgage, want someone you can trust to do all the paper work diligently, and not gonna have any surprises at the closing, this team is for you. \n\nTIP: 1. Always try to raise your credit score for great rates. \n2. Ask Ralph for other services you may need like Home Owner Insurance."^^ . "5"^^ . . "1"^^ . "0"^^ . "2015-11-30T00:00:00"^^ .