Ryan Hays, Mortgage Loan Originator NMLS# 2298124

05/20/2026

If you've been lying awake at night worried about your mortgage payment, this one's for you👇🏻

I've been wanting to make this carousel post for a while because nobody in the mortgage industry is openly talking about what ACTUALLY happens when you miss a payment. It's uncomfortable. It's scary. And most lenders would rather pretend it doesn't happen👀But it does happen. Especially right now. When groceries cost more, and utilities cost more, and the paycheck that used to cover everything suddenly doesn't stretch the way it used to.

So I'm going to be lay it all out there. Day by day. No sugarcoating. No judgment. Just the truth about what the timeline actually looks like - and what you can actually do at every single stage BEFORE it gets worse. Because here's what I've figured out after years of doing this...

The homeowners who lose their homes rarely lose them because they couldn't find a solution. They lose them because they didn't know their options. Or they were too ashamed to ask. Or they waited too long to reach out because they were scared of what someone might think.

That mindset ends right here🙌🏻Swipe through. Save this. Share it with someone who needs it right now. And if any of it hits close to home, my DMs are open. Zero judgment. Zero pressure. That's not just how I do business. It's just who I am.

Educational purposes only. Not legal or financial advice. Contact a HUD-approved housing counselor for guidance specific to your situation. Equal Housing Opportunity NMLS3029 NMLS2298124

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🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

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02/13/2026

Valentine’s Day might actually be the most obvious day to talk about commitment, including the financial kind👀

Not because anyone needs more pressure this weekend (you really don’t)…but because it’s one of those moments that makes people pause and think about what they want long-term. Stability. Options. Something that feels like it’s building toward something.

For a lot of renters, that curiosity shows up quietly:
“Could I actually buy?”
“What would that look like?”
“Is it as out of reach as I think?”

Those questions don’t mean you’re ready to commit - they just mean you’re paying attention🙌🏻Mortgage conversations don’t have to be intense, awkward, or tied to big decisions. Most of the time, they’re just about understanding your numbers, clearing up myths, and realizing you have more flexibility than you thought.

No ultimatums.
No timelines forced on you.
Just answers to those questions floating around - which is honestly a pretty good Valentine’s gift to yourself.

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

12/17/2025

The Fed just cut rates for the third straight time, lowering the benchmark to 3.5%–3.75%. But before you celebrate expecting mortgage rates to suddenly drop - here’s the truth: mortgage experts still expect 30-year rates to stay in the 6% range through 2026.

So what does this mean?🤔

It means stability, predictability, and a market where strategy matters more than timing. With volatility cooling and more buyers re-entering the market, this is the moment to understand your options - not wait for a magic rate that may never return.

As a lender, my job is to break down what the headlines actually mean for your budget, your pre-approval, and your long-term financial plan📩 Curious how this Fed cut affects you? Message me - let’s build your 2026 strategy together.

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

12/09/2025

One of the things I take the most pride in as a lender is being there for my clients - not just during the easy moments, but during the confusing ones too. So reading a review like this means everything to me. Buying a home comes with a lot of moving parts, and you deserve someone who doesn’t leave you guessing, Googling, or feeling like you’re navigating it alone.

My goal is simple:
✔ answer every question
✔ make the process feel clear, not overwhelming
✔ and make sure you understand each decision confidently

Whether you’re buying in NC, SC, or FL, I’m here to guide you with honesty, patience, and real support - the kind you can feel, not just hear about. If you’re thinking about starting your homebuying journey and want a lender who actually picks up the phone, responds quickly, and walks you through every step…I’m here when you’re ready.

📩 Send me a message anytime.

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🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

12/09/2025

The mortgage market has changed so much over the past few years that it’s no wonder buyers still feel unsure about when or how to start the process. But 2026 is bringing a wave of stability, clarity, and opportunity that we haven’t seen in a long time - and I’m here to help you make sense of it🙌🏻

Rates are finally predictable, new loan programs are giving buyers more flexibility, and affordability is improving in ways that don’t always make the headlines. For many people, this year will be the one where buying a home finally feels doable again - not overwhelming.

And if you’re feeling nervous, confused, or worried about taking the first step…you’re not alone. That’s exactly why I do what I do. My job is to give you clear answers, honest guidance, and financing options that actually fit your life - not the 10-second clips you see online👀

Whether you’re buying in North Carolina, South Carolina, or Florida, the key to winning in 2026 is simple: get informed, get prepared, and work with someone who knows how to navigate every option available to you.

If you’re ready to explore what this new market could mean for your goals, I’m just a message away📩 Reach out anytime - let’s take the guesswork out of homebuying and make 2026 the year you move forward with confidence.

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

11/27/2025

Home is where Thanksgiving memories are made - and helping you get there is what I’m most grateful for.

This season, I’m thankful for every conversation, every pre-approval, every set of keys handed over, and every family who trusted me to navigate the numbers so they could focus on the moments that matter🙌🏻

If buying a home is on your wishlist for 2025, let’s talk soon so we can build your strategy now. Happy Thanksgiving!🦃

11/19/2025

If you’ve recently bought a home (or plan to), you could be eligible for tax breaks that put real money back in your pocket - and most people never hear about them until after they’ve overpaid🤯

In today’s carousel, I’m breaking down three of the most overlooked deductions for homeowners:

✨ PMI (yes, that monthly fee can actually help you)
✨ Mortgage interest (the one everyone pays but few deduct)
✨ Property taxes (your monthly escrow contributions may count too)

And here’s the part everyone forgets: Like most deductions, certain guidelines have to be met. Your income, filing status, and whether or not you itemize all play a role - but that’s exactly what I’m here for.

Whether you’re:
✔️ A first-time buyer trying to understand the full financial picture
✔️ A current homeowner preparing to file taxes
✔️ Or someone debating whether now is the right time to buy…

I’ll help you figure out what applies to your situation and how these deductions could impact your overall affordability, monthly payment strategy, and long-term financial plan.

🏡 Buying a home is more than a mortgage - it’s a tax and wealth-building decision too.

If you have questions about deductions, purchasing, or planning ahead for 2026 and beyond, send me a message. I’m always here to help you make the smartest move possible.

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

04/23/2025

Let’s be honest, my friends...👀

TikTok’s great for dance trends, not down payments (but maybe if you combine the two you have something going for you😉).

I’m seeing SO many buyers delay homeownership because of advice they saw online that doesn’t even apply to them.

The truth? Most of this “advice” is generalized, outdated, or totally missing key context.

That’s why I’m opening up space to have real convos. Not clickbait👋 Hi, my name is Ryan & I’m a local NC lender, and my goal is to equip you with facts, not fluff.

Got a question you’re too afraid to ask?
That’s literally what I’m here for.

👇 Drop it below or DM me!

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]

08/05/2024

PSA:

‼️ Interest Rates are the lowest they have been in 12 months ‼️

For current homeowners: I am talking refinances in some situations and shwonf big savings

For future homeowners: So many of you waited for this drop for your “start” … Lace up your shoes and be prepared to move fast!

If you needed to know how much you can afforded, my team and I are ready to get you pre-qualified❗️

Ready to get started or have any loan questions? Contact me at or [email protected] or submit the form below and I will call you.

06/26/2024

At our core, I believe in your dreams and am committed to seeing you succeed.💪🏻

As you navigate the journey towards homeownership, know that I am are here to support you every step of the way.

My passion is to ensure that your mortgage experience is not only seamless but also empowering. I want to be an integral part of this pivotal moment in your life. Trust me to provide the expertise and dedication you deserve, because I genuinely want to see you win.🥇

Together, we can make it happen⬇️

🔹DM me at
🔹Call or text me at (336)416-0623
🔹Email me at [email protected]