Business Details
17 Years
experience
Your Trusted Mortgage Brokers in Pittsburgh
Founded in 2009, The Ralston Team has established itself as a trusted leader in mortgage services, specializing in customized home loan solutions for Pittsburgh-area clients. Our mother-daughter team combines over 30 years of industry expertise with a commitment to transparency, earning recognition as Five Star Mortgage Professionals for six consecutive years. We leverage the Equity247 App to streamline processes while maintaining personalized communication throughout every transaction.Our reputation, built on referrals from satisfied clients and industry partners, reflects our dedication to ethical practices and client-centric service. With in-house underwriting and a focus on innovative tools, we ensure efficient closings while prioritizing long-term client relationships beyond the initial transaction.
Services
Conventional Home Loans
Jumbo Loans
VA Financing
FHA/PHFA Loans
USDA Financing
Doctor Loan Program
Details
- Year established: 2009
Highlights and features
- Award-winning service with six consecutive Five Star Mortgage Professional recognitions
- Streamlined process using our proprietary Equity247 App for 24/7 access
- Over 30 years combined industry experience guiding clients through complex transactions
- In-house underwriting enables faster loan approvals and closings
- Client referrals form the foundation of our business growth
Associations and certifications
- Five Star Mortgage Professionals
What people say
Fantastic to work with
Excellent communication
Smooth closing process
Always available
Made it easy
Services
Conventional Home Loans
Offering flexible conventional loan options with low down payments and competitive rates. Our 30-year fixed loans provide predictable payments while allowing gift funds for down payments. We specialize in owner-occupied, investment, and second home financing with personalized rate comparisons to help clients make informed decisions.
VA Financing
Providing 100% financing solutions for eligible veterans and service members. Our VA loans eliminate monthly mortgage insurance requirements while offering favorable terms. As a direct Ginnie Mae lender, we ensure compliance with veteran-specific benefits including reduced costs for disabled service members.
Doctor Loan Program
Tailored financing for medical professionals with 100% loan options up to $650,000. This program accommodates high-debt ratios and offers flexible underwriting for doctors, dentists, and veterinarians. We provide specialized guidance for medical professionals purchasing primary residences with competitive fixed and adjustable rate options.
FHA/PHFA Loans
Offering low-down-payment solutions with 3.5% requirements and lenient credit score thresholds. Our FHA loans accommodate home improvement needs while allowing seller concessions. We guide clients through PHFA programs that maximize loan limits for qualifying properties requiring remodeling or updates.
USDA Financing
Providing zero-down-payment options for eligible rural properties with credit score flexibility. Our USDA loans include closing cost financing and cater to buyers in designated rural areas. We assist clients with understanding property eligibility requirements and maximizing benefits under this specialized program.
People
Christine Ralston
Mortgage Loan Originator
With NMLS #406279 and over 15 years of mortgage expertise, Christine specializes in guiding first-time homebuyers through complex transactions. Recognized as a Five Star Mortgage Professional for six consecutive years, she maintains 24/7 availability to ensure seamless client experiences.
Joanne Ralston
Mortgage Loan Originator
NMLS #429807 professional with extensive experience in investment property financing. As part of the award-winning Ralston Team, she focuses on client education and mortgage process transparency while maintaining strong community lender relationships.
Questions
What mortgage loan types do you offer?
We provide conventional, VA, FHA, USDA, jumbo, and specialized doctor loans with flexible terms to suit various financial situations.
How does the pre-approval process work?
Our pre-approval identifies potential issues early while providing clear closing cost estimates and monthly payment projections within minutes.
Can I track my loan application online?
Yes, our Equity247 App provides real-time document access and mortgage process tracking 24/7 from application to closing.
What sets you apart from other lenders?
Our combination of award-winning service, in-house underwriting, and personalized communication ensures faster closings with exceptional client support.
How long does the mortgage process take?
While not guaranteed, our streamlined process typically closes loans in under 30 days with dedicated after-hours support available.
Do you offer refinancing options?
Yes, we specialize in rate-and-term refinancing to reduce payments or adjust loan terms while offering cash-out options for home equity access.