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Ryan Fellner at Guaranteed Rate - NMLS 206461

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Ryan Fellner at Guaranteed Rate - NMLS 206461

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Guaranteed Rate has helped over 100,000 people with Life's Biggest Purchase (TM). Guaranteed Rate, Inc.

Senior Vice President of Mortgage Lending at Guaranteed Rate, Inc. - NMLS ID - 2611
(303) 285-1615
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611 With 115 offices and full service solution in 47 states, we assist customers the way they choose - face-to-face, over the phone, or online – and have funded over $34 billion of loans since 2001. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s). https://www.guaranteedrate.com/disclaimer.php https://www.guaranteedrate.com/licensing.php

Senior Vice President of Mortgage Lending
http://guaranteedrate.com/ryanfellner
http://twitter.com/ryanfellner

11/02/2026

Your credit score might not be telling the whole story. 🏡

Mortgage credit guidelines are evolving, and newer scoring models are designed to look beyond a single number, including how you’ve managed debt over time.

Here’s what matters: A credit score that held you back a year or two ago might not tell the whole story today.

Of course, your income, existing debts, and down payment still matter. And not every lender uses the newer scoring models yet.

The takeaway? Don’t let an old credit score make today’s decision for you.

If you’ve been turned down before, or your credit score affected your mortgage rate, let’s take another look.

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/21/2026

Saw “Fed raises interest rates” trending this week and felt your stomach drop? You’re not alone, and you’re also not doomed.

Here’s the truth most headlines skip: mortgage rates don’t move in lockstep with the Fed funds rate. They track the 10-year Treasury yield, driven by inflation expectations and investor sentiment. A different animal entirely. Mortgage rates had already been climbing before this week’s Fed decision even happened.

After 19 years and over a thousand closings, I’ve learned one thing for certain: “waiting for rates to drop” is not a strategy, it’s a guess. And guessing with your biggest purchase is a rough way to spend a Saturday.

What IS a strategy? A real conversation about your numbers: buydown options, ARM structures, timing. So you’re making a decision, not a prediction.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

04/13/2026

Honored to be recognized once again by Scotsman Guide as a Top Mortgage Originator nationwide, ranking among more than 221,000 active originators across the country.

Grateful for the incredible clients and referral partners who trust me to help structure smart financing strategies and deliver smooth closings. The goal is always simple: make the process clear, efficient, and stress-free.

If you or someone you know is thinking about buying, refinancing, or investing this year, happy to be a resource.

Address

1221 S Clarkson Street, Suite 301
Denver, CO
80210

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+13032851615

Website

https://www.Rate.com/RyanFellner?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=1013&adtrk=%7Cseo%

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