For this episode of The Stark Group LIVE, our host, Brian Stark, is joined by Ralph DiBugnara. Ralph DiBugnara is the Vice President of Residential Home Funding based in NJ. They start off tonight’s discussion by talking about careers and job opportunities in real estate/mortgage industry and the key skills needed. Other topics covered include consumer mortgage, the challenges consumers face in getting a mortgage loan in intercity property, credit score, applying for a loan and the loan process for consumers.