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Ryan Smith

Senior Loan Officer

NMLS# 9779

2250 Douglas Blvd., Suite 120,
Roseville, CA 95661

(916) 380-8089

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Building trust, one borrower at a time.

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Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.

Bridge loans

If you've found the perfect new home but still need to sell your current one*, moving up can be easier than you think. You can buy quickly and avoid worrying about a contingent sale. Our short-term bridge loan for the down payment helps you transition seamlessly without missing out on the right home for your family.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.81 out of 5.0 stars

4.8

5.0

4.7

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Cameron L.

Oct 3, 2025

Quick easy and excellent communication. Had a terrible experience with other Mortgage Brokers but Guild and Ryan were gr...See more

Anton

Oct 3, 2025

I am writing to express my sincere appreciation for Ryan Smith. His exceptional assistance with our loan made the proces...See more

Cameron

Oct 6, 2025

It was quick easy and great communication .

Derrick

Oct 4, 2025

Great communication and everything went great!

stanczak c.

Sept 3, 2025

Ryan and his team are true professionals! Ryan was quick to respond to questions and prepared all of our documents accur...See more

Kobenhaun D.