Ryan Guess - Mortgage Loan Officer

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Ryan Guess -  Mortgage Loan Officer NMLS #70442 My business is guided by the Golden Rule: "Treat others as you would like to be treated." Evolve Bank & Trust is an equal housing lender. Member FDIC.

NMLS #70442

My business is guided by the Golden Rule: "Treat others as you would like to be treated." I practice this rule everyday in my business in a plethora of different ways.

1, Communication: I contact all clients in a timely fashion and make sure they're completely aware of what's going on with their application or loan.

2, Honesty: What i offer is what you get, no tricks or hidden fees.

3, Rates/Products: I offer the best rates and products that are currently available.

4. Smooth Process: You will be part of a stress free process that will make you glad that you chose me to do your mortgage. I truly look forward to earning your business. I truly consider myself a family man who has a beautiful wife and wonderful daughters. I consider myself very blessed to have these four ladies by my side. As a family we enjoy going to the zoo, the park, and most of all just spending time together. Awards and Community Service: Triumph Mortgage Top Producer Award 2013-2016, Memphis Area Association of REALTORS Affiliate Member of the Year "2009", Memphis Area Association of REALTORS Community Service Award "2009", Eagle Scout Boy Scouts of America "1994"

Memphis in May Board of Directors and Volunteer Leadership Academy of Memphis Fellows Graduate Leadership Collierville Graduate Habitat for Humanity Volunteer Youth Villages Volunteer Memphis Area Association of REALTORS: RPAC Member and Benevolence Committee Fundraiser

đź“– Guess What? Just because you're buying your first home doesn't mean FHA is automatically your best option. And just be...
10/27/2026

đź“– Guess What? Just because you're buying your first home doesn't mean FHA is automatically your best option. And just because you have great credit doesn't mean conventional financing is always the...

FHA or conventional? Choosing the right mortgage involves more than comparing interest rates. From down payments and credit profiles to mortgage insurance and l

5.0 star review received on Experience.com for Ryan Guess by Donna L - Had great communication, and on point with any qu...
10/11/2026

5.0 star review received on Experience.com for Ryan Guess by Donna L - Had great communication, and on point with any questions and concerns

Click to see all 745 reviews of Ryan Guess - Northpointe Bank, Senior Loan Officer | NMLS # 70442

Let me let you in on a secret I've learned over 21 years of helping buyers and sellers: real estate negotiation feels a ...
10/09/2026

Let me let you in on a secret I've learned over 21 years of helping buyers and sellers: real estate negotiation feels a lot like choosing a restaurant for a group of friends.

What do you think?

Negotiating your home deal doesn't have to be a battle. Keep your cool, stay positive, and you might actually enjoy the process.

📖 ” If you’re a loan officer, you’ve heard some version of that sentence approximately 47,000 times. Then we pull mortga...
10/07/2026

📖 ” If you’re a loan officer, you’ve heard some version of that sentence approximately 47,000 times. Then we pull mortgage credit and… surprise. Maybe it’s 718. Maybe it’s 695.

Your credit score may not be the same number your mortgage lender sees. Learn why scores can differ, what impacts them, how credit affects mortgage rates and co

” Not the house. Not the payment. Not the seller concessions. Not how long you plan to live there. Just: THE RATE. I get...
10/01/2026

” Not the house. Not the payment. Not the seller concessions. Not how long you plan to live there. Just: THE RATE. I get it. Mortgage rates matter. A lot.

What do you think?

“Oil Is Up. The Fed Is Talking. Bonds Are Moving. Welcome to Mortgage Rates.”

📖 Let’s Talk About the Part Instagram Left Out. You’ve watched the videos.Read the full article.
09/28/2026

📖 Let’s Talk About the Part Instagram Left Out. You’ve watched the videos.

Read the full article.

So, you want to be a real estate investor? Before you start building your empire based on Instagram Reels and Zillow searches, let’s talk about the numbers. This article breaks down DSCR loans, how rental income can help qualify an investment property, and why financing should be part of your stra...

A First-Time Homebuyer’s Guide for People Who Have Absolutely No Clue Where to Start So, you want to buy your first hous...
09/23/2026

A First-Time Homebuyer’s Guide for People Who Have Absolutely No Clue Where to Start So, you want to buy your first house. Congratulations!

What do you think?

A First-Time Homebuyer’s Guide for People Who Have Absolutely No Clue Where to Start

5.0 star review received on Experience.com for Ryan Guess by Langston L - Ryan  is  personable  and  tactful.
09/21/2026

5.0 star review received on Experience.com for Ryan Guess by Langston L - Ryan is personable and tactful.

Click to see all 738 reviews of Ryan Guess - Northpointe Bank, Senior Loan Officer | NMLS # 70442

By Ryan Guess | Taking the Guesswork out of mortgages since 2005 The Federal Reserve changed interest rates today. So na...
09/17/2026

By Ryan Guess | Taking the Guesswork out of mortgages since 2005 The Federal Reserve changed interest rates today. So naturally, somewhere in America, a homebuyer just yelled: “THE FED RAISED RATES!

— Ryan Guess

The Fed Moved Rates. Everybody Panic! (Actually, Please Don’t.)

5.0 star review received on Experience.com for Ryan Guess by Jacob B - Ryan is very professional and helps makes the who...
09/04/2026

5.0 star review received on Experience.com for Ryan Guess by Jacob B - Ryan is very professional and helps makes the whole loan process as easy as possible. If you have any questions Ryan and his team will answer in a timely manner.

Click to see all 737 reviews of Ryan Guess - Northpointe Bank, Senior Loan Officer | NMLS # 70442

Address

855 Ridge Lake Boulevard Suite 210
Memphis, TN
38119

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 12pm - 3pm

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