Business Details
Your Trusted Pittsburgh Mortgage Broker
The Ralston Team is a mother-daughter mortgage brokerage team with over 30 years of combined industry experience. Since 2009, we have specialized in personalized home loan solutions for purchases and refinances, serving Pittsburgh-area clients with a focus on communication, integrity, and technological innovation through tools like our Equity247 App. Recognized as Five Star Mortgage Professionals for six consecutive years, we prioritize client education, transparent processes, and 24/7 accessibility.Our expertise spans conventional, jumbo, VA, FHA, USDA, and doctor loan programs, with in-house underwriting capabilities to expedite approvals. We maintain long-term client relationships through post-closing support and community engagement with local realtors and financial professionals.
Services
Conventional Home Loans
Jumbo Loans
VA Financing
FHA Loans
USDA Financing
Doctor Loan Program
Highlights and features
- We offer 30+ years of combined mortgage industry experience
- Our team holds Five Star Mortgage Professional awards for six consecutive years
- We provide 24/7 access to loan documents through the Equity247 App
- Our in-house underwriting process accelerates loan approvals
- We maintain transparent communication from application to closing
What people say
Fantastic to work with
Excellent service
Smooth closing
Super responsive
Great experience
Services
Conventional Home Loans
We offer conventional home loans with flexible down payment options starting at 3%. Our programs accommodate owner-occupied properties, investment properties, and second homes. Clients benefit from competitive fixed-rate terms and streamlined underwriting processes that can close in under 30 days.
VA Financing
Our VA loan program provides 100% financing with no monthly mortgage insurance for eligible veterans and service members. As a direct Ginnie Mae lender, we offer purchase and refinance options with special benefits for disabled veterans and no prepayment penalties.
Doctor Loan Program
Designed for medical professionals, this program offers 100% financing up to $650,000 with no mortgage insurance. Available for MDs, DOs, DDSs, and other qualified medical professionals seeking primary residences with flexible underwriting standards and high loan limits.
FHA Loans
We provide FHA loans requiring only 3.5% down with credit scores as low as 580. These loans include seller concessions for closing costs and special programs for homes needing renovation, making homeownership accessible to first-time buyers.
USDA Financing
Our USDA loans offer 100% financing for qualified rural properties with credit scores starting at 580. This zero-down option includes financing for closing costs and is ideal for buyers in eligible geographic areas seeking affordable homeownership solutions.
People
Christine Ralston
Mortgage Loan Originator
With over 15 years of mortgage experience, Christine specializes in guiding clients through complex loan processes. NMLS #406279, she combines technical expertise with personalized service to ensure smooth transactions for first-time buyers and seasoned homeowners alike.
Joanne Ralston
Mortgage Loan Originator
Joanne brings extensive mortgage industry knowledge to our team, holding NMLS #429807. Her focus on clear communication and attention to detail helps clients understand their financing options while maintaining the highest ethical standards in every transaction.
Questions
What mortgage loan types do you offer?
We offer conventional, jumbo, VA, FHA, USDA, and doctor loan programs with flexible terms to suit various financial situations and property types.
How quickly can you close a mortgage?
Our streamlined process with in-house underwriting typically closes loans in under 30 days, though exact timelines depend on individual circumstances and documentation completeness.
Do you offer online mortgage tools?
Yes, our Equity247 App provides 24/7 access to loan documents, status updates, and secure communication with our team throughout the mortgage process.
Are there special programs for first-time homebuyers?
We offer FHA loans with 3.5% down payments and PHFA programs that include down payment assistance for qualified first-time homebuyers in Pennsylvania.
Can I get pre-approved for a mortgage?
Yes, we strongly recommend pre-approvals to clarify your budget, identify potential issues early, and strengthen your position in competitive housing markets.
Do you service the Pittsburgh area exclusively?
While our primary focus is Pittsburgh and surrounding Pennsylvania areas, we also serve clients in Ohio through our corporate office in Newark, OH.
