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Ralph Boddicker, (NMLS ID 688201)

Ralph Boddicker

Direct Lending Officer

NMLS ID: 688201

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

About Ralph Boddicker

I started my career in home lending in 2005. As a Home Mortgage Advisor, I’ve proudly helped thousands of families refinance their home mortgage and purchase their dream home. In total, I’ve originated tens of millions of dollars in residential loans, which has resulted in successfully closing thousands of home loans in all 50 states. I work with first-time homeowners, seasoned buyers, and those simply looking to save money with a refinance, cash-out refinance, or home equity product. I’m here to help everyone with their home lending and mortgage needs.

 

I have a wife and two kids, and we enjoy hiking America’s beautiful national parks. 

 

Contact me for assistance if you need to refinance your home loan or purchase your dream home/second home. In addition, I can help with new builds, FHA, VA, USDA, conventional home lending, and more!

Mortgage Specialization

  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Second Homes
  • VA Government Loans
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Ralph Boddicker, (NMLS ID 688201)

Ralph Boddicker

Direct Lending Officer

NMLS ID: 688201

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

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Today's Rate

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1Rate as of 4/12/2021 10:19 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,021. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 4/12/2021 10:19 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,580. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  4/12/2021 10:19 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $965. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Ralph Boddicker, (NMLS ID 688201)

Ralph Boddicker

Direct Lending Officer

NMLS ID: 688201