Ralph McCarthy

Sr Loan Officer

NMLS ID: 770969

Whether purchasing or refinancing a home, I’ll work hard to provide exceptional service to you.

Ralph McCarthy

1903 Keith Street

Eau Claire, WI 54701

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I have been assisting clients for 26 years and have been with Flagstar Bank for 13 of them. I pride myself with excellent customer service, making myself available at almost all hours, which includes nights and weekends. I will take the time to answer all of your questions, help you understand the mortgage process, and most importantly get you to close on your house on time. I have many loans to offer including conventional, FHA, VA, USDA and renovation/construction.

 

I live in Kenosha, and have been married to my wife Lisa for 25 years. I have two daughters: Jackie, who is grown, and Veronica, who is active in her high school softball team and band. In my spare time, I love to play softball, and am on the Board of Directors for both Habitat For Humanity of Kenosha and the ELCA Outreach Center, two great organizations that allow me to give back and serve the greater Kenosha area.

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Education

  • Valparaiso University (Valparaiso, IN)- Degree in Marketing and Business Minor, 1989.
  • Wauwatosa West High School (Wauwatosa, WI)- 1985

Community Involvement

  • Habitat For Humanity-Board Member, Family Selection and Parnerhsip Committee Member (since 2011)
  • ELCA Outreach Center- Board Member (since 2015)

Languages Spoken

  • English
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Today's Rates

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Mortgage Rate APR
30-Year Fixed 3.990% 4.164%1
15-Year Fixed 3.125% 3.448%2
5/1 ARM 3.000% 3.759%3
FHA 30-Year Fixed 3.500% 4.717%4