featured lender

Featured Lender: Rudy Ferrante, Residential Mortgage Services

Name: Rudy Ferrante

Company: Residential Mortgage Services(RMS), South Portland, ME

Rudy Ferrante has been working at Residential Mortgage Services since 2010. Before working here, Rudy worked at a local mortgage company for seven years. In his spare time, Rudy enjoys spending time with his daughter, Ella, and is both a hockey fan and player.

Rudy is ranked amongst the Top 1% of originators across America by Mortgage Executive Magazine.

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“The thing I like best about working with my clients is helping them in the biggest, or one of the biggest, financial transactions of their lives.”
— Rudy Ferrante, Residential Mortgage Services

We asked Rudy….

What are your specialties?

My team comes with many specialties including First Time Home Buyers and Investors. We take great pride in educating our clients on the programs available to them to make wise decisions on selecting financing, whether it is for their first home or an investment property. Lifelong relationships are one of our goals and positioning clients for long term success is key to building those relationships.

Tips for first-time buyers?

Take as much advice from the Realtor and lender as possible. Knowledge is power and you want to make sure you are taking advantage of all the best options for your needs.

What’s something you think buyers should know about the market now?

This is a great market to buy a property. Maine is on the move and the growth we are seeing has created some great opportunities for many clients ranging from First-Time Home Buyers to seasoned investors.

What makes you different than other lenders?

At RMS we understand buying a home is one of the largest and most important investments anyone makes. From helping prepare your initial paperwork through settlement on the home of your dreams, you can trust that RMS has you covered. RMS is an independent, privately held company and direct lender of residential mortgage products, and our loan specialists have direct access to a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof our corporate office is right here in South Portland and we take pride on reputation and getting to the closing table on time. We are ready to guide you home.   

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Contact Rudy
Residential Mortgage Services
Cell: 207-939-0053
Office:207-808-4200 x20200

At Gray Fox Real Estate, we know that providing high-quality real estate services is only possible with help and expertise of industry professionals that we trust.

There is no affiliation between Residential Mortgage Services and the real estate agent or agency listed above. This arrangement is for your convenience, and does not constitute an endorsement of RMS or a referral to RMS by the Agency. You are free to seek financing from the mortgage lender of your choice.   NMLS# 1760; www.nmlsconsumeraccess.org; Equal Housing Opportunity; Operating as RMS Mortgage in FL, FL Mortgage Lender License #MLD232; ME Supervised Lender License #SLM2537; MA Mortgage Lender & Broker #MC1760; NH Mortgage Banker License #8816-MB; Mortgage Lender/Broker, VA Corp. Commission #MC-5816

Featured Lender: Ralph Graceffa, Residential Mortgage Services

Name: Ralph Graceffa

Company: Residential Mortgage Services(RMS), Falmouth, ME

Ralph Graceffa has experience in the mortgage industry since 2004. After managing another mortgage firm branch, Ralph easily transitioned to Residential Mortgage Services in 2008. Here, Ralph has become a trusted Loan Officer serving both Maine and Massachusetts clients.

Ralph studied at Brandeis University, earning his bachelors degree in comparative literature. In his spare time, Ralph enjoys composing music, working out, and spending time with his twin daughters, Carmella and Lucia.

“I come from a family of teachers. I want to educate my clients. I want to show them how to best utilize the programs that exist in today’s market.
— Ralph Graceffa, Residential Mortgage Services

We asked Ralph….

What are your specialties?

Mortgage planning. Whether you are a first-time buyer or a seasoned investor, customizing your mortgage so that it best serves your long term goals is something that I have always believed in. With the ability to choose specific rate/cost/down payment options, we can truly work together to insure the most efficient approach. I also have worked a lot with multi units and understand the many nuances that drive the qualifying process for 2-4 unit buildings!

Tips for first-time buyers?

Don’t be afraid to ask questions- education is key. Get Pre-Approved so that you are working in tandem with your real estate agent and your lender. Having real time numbers for the properties you are interested in will really help as you compare your options.

What’s something you think buyers should know about the market now?

Mortgage guidelines have eased over the past few years. After the housing collapse in 2007, we saw the pendulum swing hard and fast in the direction of risk aversion. Banks weren’t taking any chances and as a result, the process of obtaining a mortgage was often deemed “painful”. I’m happy to say that as we sit here in 2019, the mortgage process is far more reasonable than it was then. This is allowing more and more buyers to qualify, which in turn is keeping the market moving in a safe and calculated way.

What makes you different than other lenders?

The way I think about the overall picture. I really try to put myself in my client’s shoes. Then, once I have a thorough understanding of their situation, I present the options that I think would offer the most benefit -both short and long term! This personal connection is important to me and in my opinion is essential to offering the best guidance throughout the process.

At Gray Fox Real Estate, we know that providing high-quality real estate services is only possible with help and expertise of industry professionals that we trust.

Featured Lender: Bryan Smith, Caliber Home Loans

Name: Bryan Smith

Company: Caliber Home Loans

Bryan Smith is a branch manager and loan consultant at Caliber Home Loans in Portland, Maine. Bryan has been in the industry for a decade and has committed himself to understanding every aspect of it. He believes that it is imperative to know the rules and regulations associated with mortgage lending. “If you know all the pitfalls, you can assure that there are no “gotchas” half way through the process.”  When he starts a loan, he closes it. 

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We asked Bryan….

What are your specialties?

Getting loans to the closing table. Communication is paramount. My phone lines are ALWAYS OPEN!

Tips for first-time buyers?

Get Pre-Approved and work with a realtor. I’d suggest Polly Cockrill!

What’s something you think buyers should know about the market now?

Interest rates are on the rise. With that said, there is absolutely nothing they or I can do about it. Do your research. Visit as many houses as you need to. This is a HUGE decision. Life changer. Don’t take it lightly or rush into it just to capture a lower interest rate.

What makes you different than other lenders?

Communication and partnership. From the first call to the closing table, I will always be available. Buying a home, be it the first or 21st, is a big deal. There are no bad questions.  I have the answers. Do not hesitate to ask. 

When speaking on his values as a lender and how he views the client-lender relationship, Bryan said:

“From day 1, I consider myself a partner to my clients. I advise them every step of the way and show them the pros and cons of every move. During the loan process, you can consider me your full-time partner, advisor and friend. I am famous for taking the call at all times and that includes nights and weekends, unless I am eating dinner with the family.. I still get a huge thrill out of the closing table. I attend all of my closings. Whether it’s putting someone in their first home, dream home, second home or investment, I love seeing everyone at the closing!!”

At Gray Fox Real Estate, we know that providing high-quality real estate services is only possible with help and expertise of industry professionals that we trust.

Featured Lender: Amy Torrey, Androscoggin Bank

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Name: Amy Torrey

Company: Androscoggin Bank

Amy Torrey has worked in banking for 10 years and has over 20 years of customer service experience.  Amy attended the School for the Arts at Boston University, then moved to New York City where she lived and worked for 10 years. 

Amy joined the team at Androscoggin Bank in February, 2018 and is an assistant vice president and mortgage loan officer. Integrity, trust and great communication are the principles by which Amy has built her professional career. She joined the bank because she genuinely shares the same values. Speaking to the banks value of integrity she stated,

I believe in doing the right thing because it’s the right thing to do; and I love working for a company that truly believes and supports that.
— Amy Torrey, Androscoggin Bank

Amy lives in Portland, ME and is a passionate supporter of the arts. She has served on the Board of Directors at Lyric Music Theater as Director of Finance and volunteers her time on and off stage.

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Contact Amy


At Gray Fox Real Estate, we know that providing high-quality real estate services is only possible with the help and expertise of industry professionals that we trust.