Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Ralph
Ralph is a Loan Consultant who has been able to create loan solutions for specific mortgage needs. He works with a team of underwriters and processors to assist in funding each loan on-time, every time at loanDepot. Ralph's success is due to his unparalleled level of service at creating unique loan solutions.
When considering the purchase of a new home, refinancing or obtaining additional property, please contact Ralph for a personalized mortgage plan.
CA LIC# CA-DBO302859
Mortgage Education Videos
Reviews
10 Reviews
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09/17/2018
Fred Brown from Mission Viejo , CA via Zillow
We were referred to Ralph by a friend and we are so thankful and blessed for that referral! Ralph was SO easy to work with and very communicative throughout the whole process. Even on closing day he answered our phone calls and texts promptly! If we had questions Ralph was always there with an answer or explanation. Ralph promised a quick close and he delivered without any issues! Do yourself a favor and give Ralph a call. He is such a delight to work with during a very stressful process.
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03/08/2018
sandysiri from Culver City , CA via Zillow
I was referred to Ralph by a friend and I'm so happy I listened to her. Ralph was prompt and professional from day one and I recommend him to anyone and everyone! I worked with Ralph to get my pre-approval so I could start shopping. Once I did, it was a five month shopping experience (sellers' market, holiday timing). We offered, became backups and recently found me a home! The financials of buying a home is incredibly intimidating especially if you're a first-time buyer. What I truly appreciated about Ralph was his honesty, knowledge and customer service. He was always available to answer my questions and kept me fully apprised. Ralph was not just my mortgage man; he invests himself into the purchasing process as much as you do. He worked closely with my agent and the seller's agent. Once we were in escrow, he assured me it wouldn't be a stressful scenario. He was right! We even closed a week early. It was seamless and that's how home buying should be, an exciting experience.
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12/19/2017
Matt from Piedmont , CA via Zillow
I don't think I really even had to do anything. From searching for a home to financing, he helped me with everything. Ralph would send me great home recommendations on Zillow, give me tips on the different types of homes that would suite my lifestyle, and always provide feedback on homes that I would send for him to evaluate. He was basically my realtor! On the finance side - I've made 3-4 offers with Ralph's guidance. Each time he let me know exactly how much I'd be paying, all of my options for interest rates, closing costs - all of the details I didn't know existed, and never would've known had it not been for his expertise. In my first home purchase, I've learned that there are a lot of moving bits/pieces to this business - Ralph knows every single one.
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12/18/2017
monicad from Piedmont , CA via Zillow
Ralph Funes is the best of the best. He made this whole process so easy to understand, and was there to answer all my questions and put me at ease. I trusted his judgement - you can't help but sense he is grounded and offers solid information and advice. Ralph is someone you want on your side when it comes to business related matters - he has the knowledge, experience and charisma to get the job done. Highly, highly recommended!
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12/01/2017
La Habra Heights , CA via Zillow
He was so responsive and helpful in getting us the best loan that worked for our budget and needs. I will absolutely recommend him to everyone I know who is purchasing a home. He helped us get our dream home!!
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10/16/2017
La Mirada , CA via Zillow
Ralph is so great to work with, my husband and I have worked with him twice in the last 4 years and each time has been a great experience. He really went above and beyond our expectations on our last purchase and couldn’t be more thankful for all his help. He is always easy to reach and available for questions. I would highly recommend Ralph for anyone looking for a home loan!
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08/09/2017
Riverside , CA via Zillow
We had a great experience working with Ralph we opened and closed escrow in less than three weeks, he was very helpful and quick to respond to all of our needs! The process of buying our home was EASY we kept waiting for things to come up but they never did. We highly recommend him!
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05/19/2017
San Clemente , CA via Zillow
When you need a steady, extremely reliable and experienced loan officer, then you need to work with Ralph. We've been through the loan process too many times to remember with our countless moves. Now, my wife and I are so thankful we know Ralph. He is 'top drawer' in the mortgage marketplace. He is solid, true to his word, honest, extremely clear, and forthcoming to get you the best possible loan package. We needed to close in less than 19 days around the holidays and Ralph was leading the pack. We were not waiting on the loan process. He says what he is going to do and then does it. No curves, no shortcomings, no surprises, just good ol' fashion customer service and doing what's best for you. Splash in a dash of follow-thru and calling others next in line in the process to keep the train moving and you have what Ralph is all about. Why can't more people be like Ralph. He just gets it done and makes sure that you will be happy.
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09/29/2016
Foothill Ranch , CA via Zillow
We purchased a home 7 years ago and used a different lender and hated our experience. Thank goodness that this time around we used Ralph. Our experience was vastly different because Ralph and his team are amazing. They're always there to support and answer questions. They're quick with communication. They're follow up and follow through is amazing. They help you through the entire process and take care of everything they can. He and his team were truly amazing to work with and next time we need a mortgage we will not go anywhere else. We'll also refer everyone to him because we couldn't have had a better experience. Quick, easy, efficient, and PLEASANT! You can see Ralph's smile even through his email. How does he do that?! Such a pleasure to have worked with him.
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09/28/2016
Murrieta , CA via Zillow
Ralph was awesome during the ENTIRE process. His response times and accuracy with the information he provided to me throughout the loan was excellent. Ralph is super knowledgeable and exceeded every expectation I had. I highly recommend him!
Calculators
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