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Ralph Dibugnara is a nationally recognized mortgage expert and a frequent real estate industrycommentator, featured in CNBC, Fox Business, Forbes, Huffington Post , Realtor.com, and several other top tier media outlets. Ralph is also part of the Forbes Leaders Council - members are selected for Forbes Councils based on their depth and diversity of experience, then invited to share their insights via CommunityVoice on Forbes.com. He is also the creator and founder of The Real Estate Disruptor -an event-series and resource-driven organization that teaches real estate agents how to build a personal brand using social media strategies. Ralph is also the creator of Generation Disruptor, a non-profit organization focused on educating inner city youth on financial literacy/education and wealth building strategies through real estate investments. His most recent Forbes article explored how an antiquated real estate industry will be forced to adapt to a virtual real estate presence and a virtual brand building marketi