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Ryan McGuinness

Ryan McGuinness

Loan Officer

950 E. Katella Ave., Suite 7, Orange, CA 92867
Own what matters
Own what matters

About Me

Ryan takes a professional, structured and detailed approach to lending.  His single mission is for his clients to never opt to seek another lending provider again, believing this philosophy is the best singular approach in this fragmented lending environment to ensure 100% client satisfaction.  Communication is essential, and providing weekly updates, quick response times, knowledgeable answers and clear communication are the cornerstones of his exceptional client service.  

A native of Orange County, Ryan received a Bachelor of Science in Finance from the University of Southern California.  He currently resides in Irvine with his wife and two young children, Maddy and Connor.  In his spare time, he enjoys taking his children to their favorite place (Disneyland) as well as his own (USC games), coaching their respective soccer and baseball teams, but most enjoyably taking his wife out without the kids.  He’s a sports enthusiast, proud father, three-time fantasy football champion, and in recent years, a bit of a Crossfit fanatic.

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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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

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.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
5.0
Lisa
Jun 10, 2024
Verified

Ryan, was so amazing to work with and made my client feel safe. To be honest the transition went so smoothly and Ryan was an amazing part of my dream
Daniel C
Nov 16, 2022
Verified

Great Company to Work with and Good Team
Daniel C
Nov 16, 2022
Verified

Great Company to Work with and Good Team
ghesi
Nov 15, 2022
Verified

Ryan has a great team is great at what he does and he will not disappoint.
ghesi s
Nov 14, 2022
Verified

Ryan has a great team, is great at what he does and he will not disappoint.
David
Aug 12, 2022
Verified

This is the second loan I have done with Ryan McGuinness. The process could not have gone any better. He communicated everything upfront and throughout very clearly and consistently. He was also always available to answer any questions or discuss including evenings and weekends. Thank you for making this so easy for me!

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NMLS ID #1730045
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;