Ralph Almodovar has achieved the "Top 1% Producer" title in the United States by Scotsman Guide in 2020 and 2021.
Your Better Mortgage knows that financing a home is one of the biggest commitments you will ever make — let us help guide you throughout the entire loan process, from application to closing and beyond. Whether you're looking to buy, build, or refinance your home, our experienced mortgage professionals are here to help.
Here at Your Better Mortgage, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan with great rates, terms, and costs to meet your specific needs.
I am Ralph Almodovar, and I look forward to putting our mortgage service to work for you!
How does it work?
Schedule an introduction call with Ralph to answer some simple questions about your mortgage goals.
Get started on your mortgage journey by applying for the loan that best suits your needs.
As our Tech & Team gather info preparing for your approval, sit back, relax, and plan your closing date.
Interest rate and monthly payments remain the same for the entire term of the loan.
Best if you: plan on staying in your home for an extended period of time.
Purchase a more expensive property with a variety of terms available.
Best if you: purchase a property above the conforming loan limits.
Rolls the cost of upgrades and a home purchase or refinance into one loan.
Best if you: own or want to purchase a home that needs repairs.
Potentially lower monthly payments, typically fixed for 3–10 years.
Best if you: plan on selling or refinancing within a few years.
Low down payment options with flexible income and credit requirements.
Best if you: are a first-time homebuyer with limited down payment funds.
May be able to refinance to a lower rate or consolidate debt.*
Best if you: already own a home and want to restructure your mortgage.
Lower interest rates, fewer penalties and fees.
Best if you: have good credit and a larger down payment.
Low to no down payment, no mortgage insurance.
Best if you: are active-duty military, a veteran, or military spouse.
Withdraw a portion of your home's equity; monthly payments optional.**
Best if you: are 62 or better and want tax-free cash from your equity.
*Appraised property value may affect loan amount. **The cash from equity is usually tax free. This information does not constitute tax advice. Please consult a tax advisor and financial planner. Your Better Mortgage is not affiliated with any government agencies; these materials are not from HUD or FHA. Reverse mortgage borrowers must obtain an eligibility certificate via a HUD-approved counseling agency and be at least 62 years old.
"Ralph and his Team showed precision, professionalism and clarity from beginning to end. There is no doubt, the process to buy a house now a days is stressful, but if you have the right team on your side, the result is a dream come true; this was our experience with Ralph."Gina T., Lauderhill, FL