As a busy Atlanta broker, I don't have time to waste with people that don't know their business, I have no such concerns with Ralph. Just about every buyer that I work with gets in front of Ralph and he ensures that they are well educated in mortgage options as well as the overall process. There is no nonsense, he will provide the best options, explain them and ensure that they are carried out as promissed. The staff he works with are top shelf as well and buyers that use him always speak well of the experience. In addition to buyers, I've referred folks for refinances and I've personally refinanced with him. My success depends on my association with pros, Ralph is one that I've been with for some time and will be well into the future. He is a consumate pro.