Ralph Ippolito

Ralph Ippolito

National Sales Manager Correspondent Lending


3160 Crow Canyon Road, San Ramon, CA 94583

Interests

NCAA Men's Basketball Tournament (a Duke-e, no surprise here!) Competitive Doubles Tennis NASCAR fan (mostly because I was both Team Owner & Crew for my Son's short-lived career as a Bandolero racer at Atlanta Motor Speedway) Almost 2 decades coaching baseball & fast pitch softball (ask me about my Daughter's 11 years 'on the road') Good food, better wine, best friends Politics and Public Policy

My Philosophy

While mortgage banking continues to evolve and become more regulated and automated, this is and will always remain a high-touch, relationship-oriented business -- a business based on the "5 Ps," yes 5: Products, Pricing, Process are a given, but then you need People and Passion! I bring more than 25 years of Mortgage Banking experience, and with that comes all the commensurate technical skills and diversified knowledge. But skills and experience alone don't equal success in this very competitive yet close-knit community. It's my compassion and empathy for serving the people working every day, in all the various functions within my clients 'shops', working hard to process, underwrite and close loans. It's my passion to go that 'extra mile' to find the unique solutions that best fit my clients' needs, to find the products and programs to expand their markets, the pricing to maximize their revenue, and the customer service and operational efficiencies to minimize their costs, maximize their warehouse turn times and ultimately maximize their bottom line!

Experience

16 years at Fannie Mae - increasingly complex and successful experiences in regional sales, structured transactions, and pricing strategies 12 years of experience in the mortgage insurance industry, including: Genworth MI (formerly GEMICO) - Product Development Led strategic development of the mortgage insurance industry's first 97% LTV primary MI program Radian Guaranty Inc. (formerly CMAC) - Business Development Created a group of structured MI risk/revenue sharing transactions 4 years with E&Y (formerly Ernst & Whinney) CPAs -- Audit Senior covering various clients including Banking and Real Estate firms.

Education

MBA - Duke's Fuqua School of Business, concentrating in Marketing & Finance BBA/CPA - Pace University's Lubin School of Business; Certified CPA in both New York and North Carolina Various business certifications including GE's Crotonville University

Volunteering in various organizations, including Habitat for Humanity, Help the Homeless, Women and Children's Shelters and Food Pantry.

Delivering the right loans for the right reasons in a way that exceeds all expectations. That’s our business. Since 1993, CMG Financial, has served home buyers and homeowners nationwide with all of their new purchase and refinance needs. All CMG Loan officers specialize in new purchase and refinance mortgage needs as well as act as a financial counselor to help borrowers make informed decisions.


Our diverse mortgage menu helps us find financing solutions for almost every borrower. We are dedicated to finding more ways to open more doors for home buyers. Find out what “Every Customer, Every Time. No Exceptions, No Excuses.” means to us!