Ralph has been a mortgage banker since 2007, brought into the business by his lifelong friend and mentor Frank DeSantis. He studied finance at The University of Connecticut, was a section manager for the EF Hutton corporate reinvestment plan, and then started a career with the NYPD retiring a Sergeant. Ralph was certified as an originator by XinniX, The Mortgage Academy. He then returned to the financial markets with NJ Lenders who does business in NY as H.O.M.E. He has been applying the law enforcement motto of “To Protect and Serve” to all that have sought financing. He has the expertise and life knowledge to help you determine the absolute best loan program to meet your financial objectives. Ralph’s professionalism has allowed him to maintain a business based on the referrals of satisfied customers, their friends, and families.