With over 35+ years in the mortgage industry, I like to put it like this. "When it's good, it's really good. When it's bad, it's still good" What I appreciate the most is when past clients and borrowers continue to send you referrals long after their particular transactions has closed.My initial banking career started as a bank teller in 1978. I move to the Bay Area in 1984 and continue my banking career as a teller moving to an in-house loan officer for a large Bay Area federal credit union up until 1985. At that point I started my mortgage origination career with All Coast Financial in Walnut Creek, Ca. Soon after joining 1st. Credential Mortgage in 1988.During the 2007 Mortgage Crisis, I was afforded the opportunity of the position of Business Development for EXP Global Logistics which after some study and research I found the industry was very similar to that of mortgages, in that the principles of brokering was the same the commodity and vocabulary were just different.Specialties: My experience in mortgage brokering and relationship building has provided me with the tools necessary to be successful in both of these endeavors.I've currently added the acquisition of commercial investment multi-unit undervalued properties in good locations potentially providing double digit ROI for my private investors.
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Associate DirectorCommloanSacramento, Ca, Us -
Loan OfficerAmerica'S Home Loans Jun 2021 - PresentGreater Sacramento -
Associate DirectorCommloan Jun 2024 - Present -
Independent AssociateLegalshield - Independent Associate Ralph Easterling Aug 2014 - PresentLegalShield is a 40+ year old company that offers quality legal services. Membership covers everything from the trivial to the traumatic from individuals to small business to major corporations. -
Loan OfficerPacific Loan Brokers May 2019 - Jun 2021Northern California30 years of experience assisting everyone from first-time buyers to move up buyers to season veteran investors. Get your piece of the American Dream, call me and let me show you how. Word of wisdom don't WAIT!
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ManagerRsz Acquisition, Llc. Feb 2014 - Jun 2021Vallejo, CaRSZ invest in distress properties and/or motivated sellers. We buy properties @ 50-75% of mkt. value to either 1) wholesale them where we re-sale the same day to another contractor or flipper or 2) we flip them....where we buy repair and sale to the end user at current market value.In order to do these types of transactions we need access to quick cash. We use the fund from 1 to 6 months depending on the individual project then we send it back with principle and the agreed return interest rate.The money is always carefully managed. It goes from the private investor’s account to the title company’s account, and back to the private investor from the title company when the property is re-sold. While in use the funds are secured by the property as collateral with the investor holding a mortgage and/or promissory note.We pay our private lenders double digit returns. You wouldn’t happen to know anybody who would be interested in getting involved in getting a double-digit return, would you?”
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Mortgage Consultant1St Credential Mortgage, Inc. Sep 1989 - May 2019I have been with 1st. Credential for over 20 years. In that time I have manage the Oakland Branch for 18 years and then Pittsburg, CA Branch for 2 years. Currently working out of the corportate office in Vallejo, CA. We have managed to work through the worse of the mortgage crisis and look forward to many more productive years.
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Dir. Of Business DevelopmentExp Global Logistics Nov 2008 - Nov 2012Patterson, Ca 95363EXP is a Veteran Own, Small Disadvantage and HUBZone certified MBE. Specializing in global multi-modal transportation and logistic services.
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Loan OriginatorAll Coast Financial Jan 1985 - Sep 1989In this position we originate Conventional, FHA and VA home loans.
Ralph Easterling Education Details
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Business Administration -
Highland Park High SchoolGeneral Studies
Frequently Asked Questions about Ralph Easterling
What company does Ralph Easterling work for?
Ralph Easterling works for Commloan
What is Ralph Easterling's role at the current company?
Ralph Easterling's current role is Associate Director.
What schools did Ralph Easterling attend?
Ralph Easterling attended Central Michigan University, Highland Park High School.
Who are Ralph Easterling's colleagues?
Ralph Easterling's colleagues are Charles A. Fischer, Shakeyta Bush, Christopher J. Man, Kent Nelson, Jim Laughlin, Mba, Sheila Mitchell, Eric Rubin.
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Ralph Easterling
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