Market averages from Optimal Blue OBMMI, not a quote from Ryan Schmid Mortgage. Rates change daily and are not an offer to lend. Ryan Schmid, NMLS 1518608, Neighborhood Loans. Equal Housing Opportunity.
Neighborhood Loans — Est. here, for you
RyanSchmid
A mortgage lender you'd actually text. No brochure energy, no jargon — just straight answers, whenever the question shows up.
Hi.
I'm Ryan.
I help people make sense of the mortgage side of buying a home.
Sometimes that means finding the right loan. Sometimes it means running numbers.
Sometimes it means saying: "Yep. You're ready." And sometimes: "Not yet. Here's what I'd do first."
The goal isn't getting everybody into a mortgage tomorrow. The goal is helping you make a smart move when the time is right.
NOBODY WAKES UP EXCITED ABOUT A MORTGAGE
You fall in love with the house.
I figure out the best way to get you into it.
You're excited about the house.
The kitchen.
The neighborhood.
The backyard.
Maybe an office with a door.
The mortgage? That's the thing standing between you and all of that.
MAKE THAT PART EASIER.
The industry standard experience
- 01Fill out a form.
- 02Get 14 automated emails.
- 03Upload documents.
- 04Upload them again.
- 05Wonder what underwriting means.
- 06Google underwriting.
- 07Panic slightly.
- 08Get another automated email.
There should probably be a human somewhere in here.
Why I do this the way I do
From one family
to another.
This is mine. Loud, competitive, usually wearing the same jersey. They're the reason I understand what's really on the table when you're deciding where to raise yours.
A mortgage isn't a transaction to me. It's the thing that decides which kitchen you make memories in, which block your kids learn to ride on, which door everybody piles through on a Sunday dinner.
So I treat your file the way I'd want someone to treat my own family's. Straight answers, no games, and the phone picked up. We take care of each other around here.
Not the one you think you're supposed to ask
Start with the question
you're actually asking.
Not the number a website spits out. The number that still lets you buy groceries, take a trip, and fix the water heater when it dies in February. We look at what you earn, what you owe, what you want your payment to feel like — then we work backwards.
Text me your version of thisMortgage people love acronyms. Sorry.
Yes, we do the
mortgage stuff too.
Conventional
The default for a lot of buyers with decent credit and some money down. Flexible, and you can drop mortgage insurance later.
FHA
Lower down payment, friendlier credit requirements. Good when your file is real life rather than a textbook.
VA
If you served, this is usually the best deal on the table. Often nothing down.
First-time buyer
Down payment help exists and most people never hear about it. Worth ten minutes of your time.
Jumbo
For when the price tag outgrows the standard limits. More documentation, same plain explanations.
Refinance
Only if the math says so. We'll find the break-even and be honest about it.
Investment
Different rules, different rates. Bring the numbers and we'll pressure-test the deal.
Don't worry. I brought the calculator.
Let's do some
mortgage math.
Roughly, per month
$2,720
Normal range. The question isn't whether it's possible — it's whether it still feels good in month seven.
Estimates only — taxes, insurance and mortgage insurance are national averages, not a quote. Actual terms depend on credit, property and program. Not a commitment to lend. Ryan Schmid, NMLS 1518608, Neighborhood Loans. Equal Housing Opportunity.
You don't have
to be ready
to apply.
Seriously.
You can ask questions before you're ready.
You can run numbers before you have a Realtor.
You can talk through something without committing to anything.
You can even call and say: "Ryan, I have absolutely no idea where to start." That's a perfectly acceptable place to start.
For agents
Realtors: I know
what makes you
nervous.
I can't promise every file is smooth. Nobody honest can. What I can promise is that you'll know where things stand before you have to ask, that your client will understand what's happening, and that I'll pick up when the weekend gets weird.
Good lending shouldn't create more drama.
Let's work togetherMoments, mostly.
“We thought we were a year away from buying.”
We called Ryan expecting a lecture. He looked at everything, told us to knock out two small things, and four months later we were closing. He never once made us feel behind.
“He answered the question we were embarrassed to ask.”
I didn't know what escrow was. I'd been nodding along for weeks. He explained it in about nine seconds without a hint of that tone lenders get.
“He picked up on a Saturday night.”
Our offer was due Sunday morning. Ryan had the updated letter in my inbox before I finished panicking about it.
Already know
you're ready?
Perfect. Let's get the paperwork part moving.
Apply nowNot there yet? Text me something instead.
Opens the Neighborhood Loans borrower portal — you're pre-tagged to my file.