Ryan Zilly - Mortgage Advisor

09/08/2025

🚨 Quick PSA 🚨
It’s come to my attention that a lot of people think I only do VA loans… and while VA loans are my specialty (and something I’m proud of as a veteran), that’s not the whole story.
✅ FHA
✅ Conventional
✅ Jumbo
✅ First-time buyer programs
✅ Investment properties
If it’s a residential loan, chances are I can help.

Don’t limit yourself (or your referrals 😉) — I’ve got more tools in the toolbox than just VA.

If you or someone you know is looking into homes or refinancing I would love to help advise them and truly take care of them. Referrals are what truly drives my business and every single one means alot, thank you all 🙏🏻

09/05/2025

🚨 ‼️ ATTENTION VETERANS ‼️

Got this letter in the mail today talking about some “VA Equity Distribution.”
Heads up, that’s not a real VA program. It’s just a lender trying to make a refinance sound like some new veteran benefit. The rate they showed looked good, but when you read the fine print it came with 4.25 points and over $12,000 in costs! I HATE seeing these unethical practices.

Just wanted to throw this out there so nobody gets tricked into thinking it’s something from the VA. If you get one of these and aren’t sure what it actually means, shoot it over and I’ll break it down for you.

We earned our VA benefits, don’t let companies twist them into gimmicks.

P.S. I was being nice by covering the company’s information.

08/26/2025

Idk about you but we’re closing in 22
(Days). 😏

08/19/2025

The VA loan is like the government saying: “Sorry about the barracks life. Here, go buy a house”You earned this. I’ll make it easy.👉🏻 ZillyHomeLoans.com

08/14/2025

VA Tip of the Day!

Do you know that an Active-Duty Service member can close a VA loan with No Funding Fee IF a “Memorandum Rating” noting the Disability Award is obtained Prior to Loan Closing?

Be careful on this one as the VA gave specific guidance on this scenario in 2023.

If an Active-Duty Service Member does not get a “Memorandum Rating” or have a Purple Heart, they will need to close with a Funding Fee and will not get a Funding Fee refund post-closing even if they later get a disability rating.

The VA’s current stance on funding fee refunds is different for Active-Duty than it is for a Veteran. A Veteran is still able to get a funding fee refund IF they applied for disability and have their claims dated Prior to their loan funding.

08/11/2025

Before you sign those Mortgage Papers read this.

Your mortgage is probably the biggest loan you’ll ever take.
But here’s the truth — not all Loan Estimates are created equal.
Even a small difference in rates or fees could save you thousands over time.

That’s why I created Zilly’s Second Opinion Mortgage Program.
Here’s how it works:
📄 You upload your current Loan Estimate
🔍 I review the numbers line by line
🏦 I shop multiple lenders for you
💬 You get a clear, no-pressure breakdown of your best options

No games. No obligation. Just honest advice before you close.

CTA (clear & simple)
Send me your Loan Estimate today — I’ll have your review back fast.

Please click the link to complete this form.