About Ryan Todey
CA - CA-DFPI1262597, NV - NMLO-121250, OH - MLO-OH.1262597, FL - LO140359 A mortgage isn't just a transaction. It's a financial decision that shapes a family's future. That perspective has guided my career for the past 10 years, including 6 years in management leading teams and mentoring loan professionals. Licensed in California and Nevada, I specialize in serving self-employed borrowers and first-time homebuyers. Both groups face unique challenges. Self-employed clients often have strong income but complex tax returns. I help them understand how lenders calculate qualifying income and build a clear approval strategy before we submit the file. First-time buyers are navigating unfamiliar territory. I walk them through each stage—from pre-approval (a verified review of income, credit, and assets before shopping) to underwriting and closing—so they feel informed and prepared. Being recognized as a Scotsman Guide Top 1% Originator reflects consistent performance, but production alone isn't the mission. My job doesn't start or stop at closing. We are in the business of creating successful homeowners. That means helping clients understand payments, equity, refinancing opportunities when appropriate, and how their mortgage fits into long-term goals. The closing table is a milestone, not the finish line. Clients value clear communication, proactive updates, and steady leadership throughout the process. My approach is simple: prepare early, communicate often, and execute with discipline. Outside the office, I'm a husband to an amazing better half, a proud father of two, and a dedicated golfer. Golf reminds me that patience, focus, and smart strategy win over time the same principles that guide every mortgage I structure.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide. Citywide its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 3145 St. Rose Parkway, Suite 201 Henderson NV, 89052
