Wouldn't You Like Some Personal Service?

At Ryan Mortgage, we understand that navigating the world of mortgages can feel overwhelming. That's why we're committed to providing personalized service and expert guidance every step of the way. With a focus on transparency and communication, we strive to make the home buying process as stress-free and rewarding as possible.

Our team of experienced loan consultants, Pat and Koreen Ryan, are dedicated to listening to your individual needs and working diligently to find the mortgage solution that best suits your financial situation. We don't believe in a one-size-fits-all approach. Instead, we take the time to understand your goals, explain all loan options clearly, and empower you to make informed decisions about your future.

We are more than just mortgage brokers; we are your trusted advisors, dedicated to helping you achieve your homeownership dreams while safeguarding your long-term financial well-being. We take pride in fostering lasting relationships built on trust, reliability, and a genuine desire to see our clients succeed.

Meet Our Team

*Koreen Ryan, Loan Consultant (NMLS ID 88279)*

Koreen brings extensive experience and expertise to our team. She is well-versed in a wide range of mortgage products, with a particular focus on construction loans. As a long-time resident of Marlborough, Connecticut, she understands the local market and the unique needs of Connecticut homebuyers.

*Pat Ryan, Loan Consultant (NMLS ID 88278)*

Pat is a highly accomplished mortgage professional with over two decades of experience, having served countless clients throughout his career. He has consistently earned the prestigious Five Star Professional award, a testament to his exceptional client service and industry knowledge. Pat and Koreen are a husband-and-wife team who are passionate about helping families achieve homeownership.

Featured Mortgage Programs

Ryan Mortgage offers a diverse selection of mortgage programs designed to meet the unique needs of our clients. Whether you're a first-time homebuyer, looking to refinance your existing mortgage, or seeking financing for a Connecticut jumbo loan, we have a solution that fits your circumstances.

From traditional FHA mortgages to conventional loans, we work with a network of trusted lenders to ensure you secure the most competitive rates and terms available. Our expertise extends to various loan types, including:

Connecticut Conforming Loans:

First-Time Homebuyer Programs:

Connecticut Jumbo Mortgage Loans:

Connecticut Refinance Options:

Less Than Perfect Credit Mortgages:

Improving Your Credit Score:

Home Equity Mortgages:

FAQ: Frequently Asked Questions

We understand that the mortgage process can raise many questions. We've compiled a comprehensive FAQ section to address some of the most common inquiries.

What is the difference between using a mortgage broker like Ryan Mortgage and a bank?

Banks typically offer a limited set of mortgage products at their own predetermined rates. As a mortgage broker, Ryan Mortgage has access to a wider range of lenders and loan programs, allowing us to shop around and find the best possible rates and terms for your specific situation.

Furthermore, at Ryan Mortgage, you'll work directly with a dedicated mortgage officer who will handle your file from application to closing, providing personalized attention and guidance throughout the entire process. With a bank, your loan may be passed from department to department, creating potential delays and communication gaps.

What fees are involved in the loan process?

Mortgage loan fees vary depending on several factors, including the lender, loan type, and property location. These fees typically include:

Property Appraisal: This fee covers the cost of having a professional appraiser assess the market value of the property.

Credit Report and Evaluation: This fee covers the cost of obtaining and evaluating your credit report.

Lender Administration Fee: This fee covers the lender's expenses associated with processing your loan application.

Attorney's Fee: This fee covers the legal services of an attorney who handles the closing documents and legal aspects of the transaction.

Title Insurance: This fee protects you and your lender from any potential claims against the property title.

Flood Certification: This fee covers the cost of determining whether the property is located in a flood zone.

Recording Fee: This fee is charged by the local government to record the mortgage deed in the public records.

It's important to discuss all fees with your loan officer upfront to ensure a clear understanding of the total costs involved.

How much does it cost to use a mortgage broker?

There is no additional cost to utilize the services of a mortgage broker like Ryan Mortgage. Our fees are typically paid by the lender at closing.

What documents will I need to provide?

When applying for a mortgage, you'll need to provide certain documentation to verify your financial information. Typically, this includes:

Recent Paystubs: Demonstrating your current income.

W-2 Forms: Showing your income for the past year or two.

Bank Statements: Providing a history of your transactions.

Investment Account Statements:

Tax Returns:

Purchase Agreement: For purchase transactions.

The specific documentation requirements may vary depending on your individual circumstances.

Prequalification Process

Getting prequalified for a mortgage is a crucial step in the home buying journey. It provides an estimate of the amount you can borrow, giving you a clearer picture of your buying power.

At Ryan Mortgage, we offer a thorough prequalification process, going beyond a simple credit check. Our loan officers will review your credit history, income, assets, and debt obligations to provide a more accurate prequalification.