Ralph A Luis is a Senior Loan Officer with www.Mortgage-World.com LLC an online mortgage company specializing in FHA loans for first time home buyers. He is an industry insider writing and speaking on FHA loans and the FHA home buying program.
Ralph got his start in the mortgage industry in 1998 working as a loan officer for New York Mortgage, Inc. a Park Avenue Mortgage Banker located in New York City. Like many industry professionals - it
didn't take long to connect the dots and figure out that it was easier to specialize in the home buying market.
In 2002 he became the New Jersey branch manager/licensee for CFIC Home Mortgage Inc. a Tampa, Florida Mortgage Banker. He has specialized in helping thousands of home buyers achieve the American Dream and buy their first home.
Ralph can be reached at 888.958.5382 or by e-mail.
My favorite part of the mortgage industry is
when I help a borrower who has been told they do not qualify for a mortgage achieve their dream of home ownership.
In today's current FHA market there is a lot of information that consumers hear that leave them baffled.
"The lender I applied with told me I need a 640 credit score to qualify for an FHA loan."