Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Florida, Alabama, Georgia, Indiana and Michigan.
Ralph Thomas is a dedicated public servant and accomplished professional from Wakulla County, Florida. He graduated from Wakulla High School, where he laid the foundation for his future endeavors. Following graduation, Ralph served with honor in the United States Navy, where he developed a strong sense of discipline and commitment to serving his country. After his military service, Ralph transitioned into the civilian workforce, beginning his career with Talla-Com Industries. His time there equipped him with valuable skills and experience in the industrial sector. In 1999, Ralph entered the mortgage industry, holding positions at Amerifirst Home Mortgage, Union Home Mortgage and loanDepot. Through these roles, he gained extensive knowledge in finance and housing, enabling him to assist many families in achieving their homeownership dreams. Ralph’s commitment to his community led him to pursue a political career, and he was elected as a County Commissioner in Wakulla County. In this role, he has worked tirelessly to address the needs and concerns of his constituents, advocating for sustainable development and responsible governance. Ralph Thomas’s journey reflects his dedication to service, community, and the pursuit of excellence in all aspects of his life. His experiences in the Navy, the corporate world, and local government have shaped him into a respected leader in Wakulla County.
Thankyou for everything Ralph. Tommy Truachi Mulberry, FL January 27 Rating: 5.0 out of 5.0 from Encompass
Thankyou for everything Ralph.
Ralph was very informative throughout the process. He went above and beyond to provide suggestions on improving my credit score and understanding of the loan process. What I like most is he felt more like family than a loan officer. He was extremely helpful, and I appreciate him and his team! Daren D Crawfordville, FL January 23 Rating: 5.0 out of 5.0 from Encompass
Ralph was very informative throughout the process. He went above and beyond to provide suggestions on improving my credit score and understanding of the loan process. What I like most is he felt more like family than a loan officer. He was extremely helpful, and I appreciate him and his team!
Ralph is amazing to work with. He is hard working and will work all hours of the day for his valued clients. Ralph is a great person to have on your team. Michael Crawfordville, FL January 17 Rating: 5.0 out of 5.0 from Encompass
Ralph is amazing to work with. He is hard working and will work all hours of the day for his valued clients. Ralph is a great person to have on your team.
Now in days there are not many people who have a good connection with others. Just being able to be in contact after hours is great. Having someone with the experience and knowledge give me advice is being human. Explaining something that is hard to understand or a new process to your customers is very helpful. Talking in simple ways to understand ... Herlinda Wauchula, FL January 14 Rating: 4.8 out of 5.0 from Encompass
Now in days there are not many people who have a good connection with others. Just being able to be in contact after hours is great. Having someone with the experience and knowledge give me advice is being human. Explaining something that is hard to understand or a new process to your customers is very helpful. Talking in simple ways to understand ...
Always available for answer my questions. Very professional and knowledgeable. Indira Wauchula, FL January 14 Rating: 5.0 out of 5.0 from Encompass
Always available for answer my questions. Very professional and knowledgeable.
was always available when I needed him and very knowledgeable in his job ! Can't wait to do it again Lee Crawfordville, FL December 21 Rating: 5.0 out of 5.0 from Encompass
was always available when I needed him and very knowledgeable in his job ! Can't wait to do it again
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there
02/25/2026
2:00 pm