Ryan Delia, NMLS #102276

07/25/2024

Join Alex and I for a brokers open house today at this new construction home in Woodcliff Lake.

05/08/2024

Like to point out a great product for first time home buyers. We are offering a conventional mortgage product that provides a credit of $9,000 ($5,000 plus 2% of loan amount). This credit is based on where you currently reside-not the new property. It waives all income limits and can be used on loan amounts up to $1,149,825. Call me to find out if you are eligible for this fantastic opportunity. 973-229-7776

Ryan Delia NMLS #102276

NJ LIC #0509918

loanDepot is America’s lender, offering home purchase and refinance loans, personal loans and home equity products nationwide. Our mission is to be your lender of choice by operating on sound principles of exceptional value, ethics and transparency. Licensed in all 50 states, loanDepot employs more than 6,000 people, and operates more than 180 lending stores nationwide. loanDepot, LLC, NMLS #174457.

loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org). For more licensing information, please visit www.loanDepot.com/licensing.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.

A licensed loan originator in NJ, Ryan has approximately 15 years' experience in the mortgage industry and has assisted more than 1,200 satisfied customers. For the last 12 years, he has been a consistent top producer of a large real estate company's lending division. With a unique background rooted within a real estate office, he has crafted a perfect blend of product knowledge, excellent customer service and a vast understanding of the local market. "I value the opportunity to assist homebuyers and strive to exceed the expectations of all customers and referral partners. I make sure to explain slowly and clearly to simplify an often complex process." Whether you're a first time home-buyer, seasoned investor, looking to consolidate debt, or cash-out equity for improvements, I will be sure to provide the perfect solution for your lending needs.

01/25/2021

loanDepot is proud to be named the Official Mortgage Provider of MLB. As our CEO and Founder, Anthony Hsieh, shared today, “At loanDepot, we know Home Means Everything, and this partnership further affirms our passion around the individuals, families and communities that we serve.” Read more about this exciting partnership: http://media.loandepot.com/2021-01-25-loanDepot-Named-Official-Mortgage-Provider-Of-Major-League-Baseball

04/01/2020

I think it’s helpful to discuss the Cares Act and what appears to be a misunderstanding surrounding the mortgage relief portion, specifically the word forbearance. I have received numerous inquiries from people asking if it’s okay to skip their mortgage payment. Some say the government advised they could have forbearance for a few months as a result of losing a job and some suggest it’s forgivable or it will be added to the total amount at the end allowing them to skip payments for a while and simply start normal payments when their financial situation improves.

Mortgage forbearance means you are allowed to skip payments for a short duration (in this case up to 6 months- as of now) however the total amount you skip is most likely due when the forbearance period ends. For example, if your normal payment is $2,000 a month and you skip April, May, June, and July, your bill August 1st could be $10,000. Many people are thinking payments will be deferred which means the unpaid amount is added to the loan balance and paid at a later date. It is so important for borrowers to know that the Cares Act and the general guidance from government and lenders is that loans can go into forbearance NOT deferment. These two word are used similarly but are VERY different.

If you are one of the many affected by this virus and are unable to pay please review options with your current loan servicer and ask whether full payment is due at the end (of forbearance period) or if they can spread the unpaid amount over a period of time. Also, for those with the ability to pay, I strongly suggest continuing your payments. At this time no one knows for sure how it will impact credit. We know you won’t be marked late however we don’t know how the credit report will reflect the months you didn’t pay. Will the report say “forbearance” and how will that impact your credit profile moving forward?

These times are unprecedented and these measures are undoubtedly necessary yet take the time to make sure you are doing the right thing. I’m working hard each day restructuring debt to help many borrowers reduce rate and payment and/or unlock equity in the form of cash for various reasons and I’d be happy to help you determine what options may be available.

03/16/2020

It’s important to know that the FED funds rate doesn’t directly impact your mortgage rate. Rates hit their lows in previous weeks and sharply increased this past week making refinancing less attractive. There are several factors that dictate rates and right now supply and demand is high on the list. Lenders’ capacity to fund loans as well as coordinate with other parties involved (I.e. realtors, appraisers, title/settlement agents) amidst a health crisis is tough. Will rates go lower and fuel even more demand? Let’s see where this goes but lower rates may create more problems for the banks and lenders. Work with a good mortgage professional that can help you navigate through these choppy waters.

Here’s some good info on why your mortgage rate won’t change simply by today’s announcement by the Fed.

There are a lot of words here. If you have a mortgage you might ever refinance (and especially if you think Sunday's emergency Fed news means you can now get a lower rate), read every last one of them. Background: Fed's Emergency Rate Cut and QE It's extremely...

03/05/2020

Great seeing our CEO discuss mortgage rates and current industry info with Neil Cavuto. There’s some good content here and I’m grateful to have such amazing leadership. Rates have hit rock bottom. It’s important and helpful to understand how to navigate through this busy time in the refinance and purchase mortgage market. Call me to see how you can benefit.

LoanDepot CEO Anthony Hsieh discusses his outlook for the housing market.

12/30/2019

Are you thinking about purchasing a new home in the next year? Reach out to me anytime so we can come up with a game plan to achieve all of your financial goals!

- https://www.loandepot.com/rdelia

10/17/2019

Such a great feeling to have this email pop up during a busy work day. Ryan Delia

08/09/2019

Happy to share this first time home buyer's experience. If you need help getting a mortgage or are looking to refinance give me a call!

https://goo.gl/maps/pZxfAd2M1jda2LZN7

07/23/2019

Broker's Open today! 12-2pm Come visit and grab some lunch with us!!! 9 Country Ln. Mahway, NJ

https://reg.loandepot.com/ALEX-YESILYURT-9-country-ln-mahwah-nj-07430

07/02/2019

Your credit score can be a tricky thing, but don't miss out on a home just because you assume it's too low! Even if you score is less-than-ideal, you can still qualify based on other factors. If you're ready to get started on your journey to homeownership, contact me today.

- https://www.loandepot.com/knowledge-cafe/news/greene-credit-score-and-mortgages?loid=rdelia