Ralph Cirino joined Fulton Mortgage Company, a Division of Fulton Bank, N.A., in February 2026 as a Senior Mortgage Loan Officer, bringing more than 50 years of experience in residential lending. Throughout his extensive career, Ralph has owned and operated his own mortgage banking company and has gained comprehensive expertise in all facets of loan origination and loan sales.

Ralph is dedicated to helping individuals and families achieve their homeownership goals through clear communication, personalized guidance, and dependable support. He works closely with clients to understand their needs and long‑term objectives, offering a wide range of mortgage solutions including first‑time homebuyer programs, conventional financing, construction loans, and refinancing options.

Known for his integrity, responsiveness, and customer‑focused approach, Ralph strives to make the mortgage process smooth and stress‑free. He values building lasting relationships and takes pride in helping clients make confident, informed decisions about their home financing.

Education:

• Graduate of William Tennent High School and member of the Athletic Hall of Fame
• Graduate of St. Joseph's University, Class of '75, with a degree in Political Science

Professional Associations:

• Bucks County Board of Realtors (Past Director of Affiliate Membership)
• Newtown Business Association
• Central Bucks Chamber of Commerce

Community Involvement/Volunteering:

• Volunteers with the Bucks County Housing Group Food Bank