About Ryan Todey
CA - CA-DFPI1262597, FL - LO140359, NV - NMLO-121250, OH - MLO-OH.1262597 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.
