Hi, I'm Ryan.I'll get you to closing
in 21 days.
Senior loan officer at F5 Mortgage. I shop 30+ wholesale lenders on every file so you get the real lowest rate, plus a process that doesn't make you want to throw your phone.
Today's rates, refreshed in real time.
Pulled directly from F5's wholesale rate engine across 30+ lenders. Tweak the scenario to see how your numbers change. Personalized quote takes 5 minutes.
Indicative pricing only, no SSN required. APR varies by closing costs. Final rate depends on full application, lock day, and lender conditions.
Every loan type. One loan officer.
F5 is a true mortgage broker, which means I have access to every program every lender offers. No square-peg-round-hole. Tell me your situation; I'll find the program that fits.
Best for 680+ credit. Most flexible, lowest PMI when you put down 20%.
First-time buyer friendly. 580+ credit. Forgiving on credit history.
Veterans, active duty, surviving spouses. No PMI. Lowest rates in the market.
High-balance loans for luxury and high-cost markets. Portfolio products available.
Lower your rate, pull equity, or shorten your term. Streamline options for FHA & VA.
Tap equity without touching your first mortgage. Fixed and variable options.
Self-employed? We qualify on deposits, not tax returns. P&L only also available.
Qualify the property, not your W-2. Built for rental portfolios and BRRRR.
From application to keys, in four steps.
No 17-call shuffle, no "we're waiting on something." I run a tight process so you always know what's next.
Fast online application. No SSN required upfront. Soft pull only.
Live quotes from 30+ wholesale lenders. You see real numbers, not bait rates.
We lock your rate and send disclosures via Pylon for instant e-sign.
Most files clear-to-close in 3 weeks. Some in 14 days. We move fast.
A loan officer who actually picks up.
I founded F5 Mortgage to build the kind of mortgage company I'd want to use as a borrower. That means real wholesale pricing from 30+ lenders, a process that doesn't drag, and an LO who answers the phone when you call.
I've closed loans across 10 states, from first-time buyers putting 3% down on a starter home, to investors stacking DSCR rentals, to multi-million dollar jumbo refis. If it's a mortgage, I've done it.
And because F5 is a broker, my pricing is structurally lower than the big banks. The wholesale channel gives me access to rates retail simply can't match.
What my clients say.
“One of the best decisions I made while buying my first home. Ryan made the entire mortgage process feel manageable. I had a lot of questions and uncertainties and he answered every single one.”
“Amazing throughout my loan process. Ryan made everything clear, smooth, and stress-free. I'm truly grateful for the hard work and support. Highly recommend!”
“Exactly what I was looking for. I didn't know where to start and they made me feel comfortable. Buying a home can be stressful, but they took some of that weight off of me.”
Let's get your loanto the closing table.
Five minutes to apply. Same-day quote. Zero pressure. If we're a fit, great. If not, you'll walk away knowing the real market.