Carole Ryan Mortgage Express

Carole Ryan Mortgage Express Mortgage Expess is your all around specialist in Home Lending. BRE #01841078 and NMLS #234945. I learned how to package a loan for successful approval.

In 1992, I was lucky enough to start my mortgage career with a company that had an FHA DE underwriter in our office. As a “newbie” I knew very little, she basically took me under her wing, taught me underwriting guidelines, & more important, how underwriters analyze a file. That early training has served me well in my career. Over the next 15 years, my husband & I were partners in or managers of o

ur wholesale mortgage banking operations. This gave me an opportunity to gain experience & exposure too every facet of the mortgage business. This hands-on experience gave me valuable knowledge that has allowed me to develop a “Truly Personalized Experience” for my clients. The financial crisis in 2007 caused a lot of us in the mortgage business to rethink how we would continue. In 2008, I made the move from mortgage banking to Mortgage broker & opened Mortgage Express. I knew with my previous experience I was totally capable of “doing it all”. Every borrower has a unique story, it’s my job to uncover it, pull supporting documentation together, package the loan for successful submission & approval. When the file is cleared to close, I order docs, work with escrow to coordinate closing/funding, making sure I consistently meet or beat, the closing schedule per the purchase contract. The biggest benefit to my clients… I work with the top lenders in the country, which allows me access to a variety of loan programs, great rates, and quick turn around. My clients also have the benefit of only dealing with me, start to finish. They have total access to me based on their schedules, from the comfort of their home. I’m available by phone, e-mail, screen shares & text after hours and on week -ends. Please take the time to check out my reviews from past clients, it will give you an idea of the “Truly Personal Experience” I Provide, some might call it my USP..I call it my Secret Sauce!!

08/08/2023

Building and Rebuilding Credit
If you're trying to build or rebuild your credit getting approved for a credit card can be hard, I have a solution though! Take a couple minutes to watch the video below, if this card seems like a good fit for … the link is below !!

Link to Credit Builder Card: https://www.creditbuildercard.com/mycreditguy

This will give you a great explanation of what to expect in 2023 !
01/25/2023

This will give you a great explanation of what to expect in 2023 !

Barry Habib joins as he breaks down the rough start to 2023 and shares his clear vision and path for moving forward.2:45 Positive Momentum Signals 4:15 Inter...

01/23/2023

Confused why your credit scores are different between the 3 credit bureaus? The reason is because the 3 different bureaus are separate entities, they don't communicate with each other and they don't always get the same information. Most creditors aren't required to report to the credit bureaus and often times they won't report to all 3 because they have to pay to report to your account. Questions? Leave a comment below or shoot me a message!

01/21/2023

Having a mix of credit is important because it shows that you can be responsible with both payment types, however you should only open new accounts when necessary. If you're trying to purchase a home or get your scores into the 700 range and up, low credit card balances and your payment history are going to be the key! Questions? Leave a comment below or shoot me a message!

The higher your credit scores, the better your options will be when purchasing a home or applying for any kind of loan. ...
10/25/2022

The higher your credit scores, the better your options will be when purchasing a home or applying for any kind of loan. If you're working on building or rebuilding your credit, here are some great tips and tricks to get you the boost you need to meet your goals. Questions? Leave a comment below or shoot me a message!

If you're trying to gain some extra points and fast, take a look at your credit card balances. Your credit cards have th...
09/06/2022

If you're trying to gain some extra points and fast, take a look at your credit card balances. Your credit cards have the heaviest impact on your scores because they're factored into two categories that make up your credit score. Learning the do's and dont's of using your credit cards and how to leverage your accounts will get those scores up in no time! Questions? Leave a comment below or shoot me a message!

06/07/2022

According to an investigation done by Consumer Report in June of 2021, more than a third of Americans reported having at least one error on their credit report. If you have an error on your report that you've tried to get removed but it still remains, I can help! I have a team of experts that will go to battle for you to make sure the creditor does right by you. Questions? Leave a comment below or shoot me a message.

09/20/2021

"The fastest way to increase your scores is to pay down your credit cards, if you tend to carry higher balances this can be overwhelming and stressful if you don't necessarily have the resources to do so. Watch this video and DM me or leave a comment below so we can get a plan in place that fits your finances to improve to your scores as quickly as possible."

I get this question a lot ... how can i increase my credit score .. take a few minutes & watch this video from one of my...
03/06/2019

I get this question a lot ... how can i increase my credit score .. take a few minutes & watch
this video from one of my business referral partners .. My Credit Guy

Feel free to share the above video with your social network by downloading it here. We've provided a post for your use, you can use it exactly or change it to your preferences. 

20 Secrets Housekeepers won't tell you !!
12/15/2018

20 Secrets Housekeepers won't tell you !!

From finding your most intimate objects to knowing the status of your relationship better than you do, these housekeeper secrets will shock you.

Carmel CA is a small beach city on California’s Monterey Peninsula. The most popular Pebble Beach golf course is situate...
03/15/2018

Carmel CA is a small beach city on California’s Monterey Peninsula. The most popular Pebble Beach golf course is situated just near to the Carmel Bay.
Get a FREE quote on a home refinance that could save you thousands of dollars per year @ http://bit.ly/2q2LVHD

Address

Riverside, CA
92505

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