With all of this extra time at home, I decided it was finally time to look into refinancing my…read morecondo - low interest rates! I have known I should do this for sometime, but honestly - the idea of it was so overwhelming. But, a friend recommended Ralph at Total Mortgage to me. So, I reached out and inquired. After a few email exchanges, he sent me a link to an online portal. From here, I was able to collect all the necessary documentation on my own time and upload it to the site. After this was done, Ralph reached out to me with some options and guided me to the best one for me. A few more emails and I was given a closing date. That's right - all of this was done online and via email. I didn't actually speak to a real person until the day of my closing! I know that sounds crazy - but it was all very seamless and could not have been easier and less stressful! So - if you are in the market for a home loan or a refi - contact Ralph at Total Mortgage! You won't regret it!

My wife and were working with a loan originator to buy a house. We were approved, but were then…read moredenied by underwriting. We were given a checklist of what needed to be done to be able to close. We completed and rectified everything that they told us to. We reconnected with our loan originator to purchase a different house 2 months later. We were told everything was in order, only to have the new branch manager call us and tell us that we should never have been approved for this new loan, and that our loan originator was running rogue, and the loan application on this house was dead. My realtor had me contact a different loan company, CMG loans, and we closed on the home in 30 days.