RYAN SCHMID MORTGAGE
Looking to secure a mortgage in Texas, New Mexico, Florida, or Pennsylvania? Our expert loan officers are your key to successful homeownership. We specialize in helping you learn how to get a mortgage, even if you have bad credit or are self-employed. With us, you'll receive personalized guidance and competitive mortgage solutions. Your dream home could be just a click away.
RYAN SCHMID MORTGAGE
Serving Texas, Florida, New Mexico and Pennsylvania
Looking to secure a mortgage in Texas, New Mexico, Florida, or Pennsylvania? Our expert loan officers are your key to successful homeownership. We specialize in helping you learn how to get a mortgage, even if you have bad credit or are self-employed. With us, you'll receive personalized guidance and competitive mortgage solutions. Your dream home could be just a click away.
GETTING STARTED
Unlocking your dreams of homeownership becomes effortless with Ryan Schmid and Neighborhood Loans as your dedicated partners. From the convenience of the online application to ensuring a timely closing, we combine digital efficiency with our extensive mortgage expertise, ensuring you're supported at every stage of your journey.
GETTING STARTED
Unlocking your dreams of homeownership becomes effortless with Ryan Schmid and Neighborhood Loans as your dedicated partners. From the convenience of the online application to ensuring a timely closing, we combine digital efficiency with our extensive mortgage expertise, ensuring you're supported at every stage of your journey.
ABOUT RYAN
My goal is to make the home buying process as easy as possible. Through courses taken to graduate with my MBA, finance has become second nature to me. With this knowledge, if there is a road to get you into your new home, I will find it. I guarantee this by taking all applications personally to ensure that I turn over every stone to make sure we have every piece of information to help you qualify. I operate with my clients to the level I would expect to be treated if I were in their position. This involves unparalleled and real-time communication, accurate information, flawless service. I offer same day pre-qualifications to ensure you make a winning offer on the home of your dreams. I am available seven days a week for an immediate response. Given the opportunity, I promise to make your new home purchase an exciting experience.
ACCOLADES
Scotsman Guide Top 1% Producer 2021, 2022
Scotsman Guide Emerging Start 2023
D Magazine Top Producer 2019-2022
LOAN TYPES
VETERAN LOANS
Neighborhood Loans takes serving Veteran Families serious. It is our pleasure and duty to serve those who have served us. We want to make it easy and painless to obtain financing. The VA Loan Program is the best loan program and definitely one of the things our federal government did right!Active duty, discharged and retired service persons from any of the following are eligible. No down payment required.
DOWN PAYMENT ASSISTANCE*
These programs exist for a reason. The programs provide money for you to make your down payment.We have seen many families use these programs to purchase a home, sell it years later, and use the money they make to purchase an even better home or consolidate debt.*Certain restrictions apply. Not available in all areas. Please contact your Neighborhood Loans mortgage professional for more details.
RENOVATION LOANS
Does the name Chip and Joanna come to mind? Then you are correct. This is the fixer upper loan. You may add square footage, take it down to studs, or simply make over your kitchen! This is an easy loan and the best way to finance repairs.
JUMBO LOANS
Neighborhood Loans processes and underwrites Jumbo loans in house. This speeds up the approval process and provides certainty and white glove service to our clients. We strive to make this process easy and less time consuming for our clients.
CONSTRUCTION LOANS
Don’t let your dream home live in your mind any longer – build and finance now with PrimeLending by your side. With our two-time close process, your new construction can be streamlined, simple and more affordable.Your obtain a temporary loan to get the process started and lock in your interest rate for up to 12 months.
ABOUT RYAN
My goal is to make the home buying process as easy as possible. Through courses taken to graduate with my MBA, finance has become second nature to me. With this knowledge, if there is a road to get you into your new home, I will find it. I guarantee this by taking all applications personally to ensure that I turn over every stone to make sure we have every piece of information to help you qualify. I operate with my clients to the level I would expect to be treated if I were in their position. This involves unparalleled and real-time communication, accurate information, flawless service. I offer same day pre-qualifications to ensure you make a winning offer on the home of your dreams. I am available seven days a week for an immediate response. Given the opportunity, I promise to make your new home purchase an exciting experience.
ACCOLADES
Scotsman Guide Top 1% Producer 2021, 2022
Scotsman Guide Emerging Start 2023
D Magazine Top Producer 2019-2022
FAQs
HOW TO GET A MORTGAGE
Securing a mortgage for your new home doesn't have to be a daunting task. Our expert loan officer will guide you through the process, offering step-by-step assistance, personalized advice, and competitive mortgage solutions. We'll help you navigate the complex world of home financing, making your homeownership dreams a reality.
WHO TO GET MORTGAGE PRE-APPROVAL FROM
Mortgage pre-approval is a crucial step in your home buying journey. Trust our expert loan officer to provide you with a reliable and speedy pre-approval process. We'll assess your financial situation, review your documentation, and give you a clear understanding of your home buying power. With our pre-approval in hand, you'll be well-prepared to make competitive offers on your desired property.
WHO TO GET A MORTGAGE WITH
Choosing the right lender is paramount to your home buying success. With our dedicated loan officer, you get a knowledgeable and trustworthy partner who is committed to finding the best mortgage solution for you. We work with a vast network of lenders, ensuring that you receive the most competitive rates and terms available.
When it comes to securing a mortgage in Texas, New Mexico, Florida, or Pennsylvania, our experienced loan officer is your trusted guide. Contact us today to start your homeownership journey on the right foot. Your dream home is just a step away!
HOW TO GET A MORTGAGE WHEN SELF-EMPLOYED
Self-employed individuals face unique challenges when seeking mortgage financing. Our loan officer has extensive experience helping self-employed borrowers access the mortgage solutions they need. We understand the complexities of self-employment income and will work with you to ensure a smooth and successful mortgage application process.
HOW TO GET A MORTGAGE WITH BAD CREDIT
Don't let a less-than-perfect credit score hold you back from owning your dream home. Our experienced loan officer specializes in assisting clients with various credit profiles. We'll work closely with you to explore options for securing a mortgage, even if you have bad credit. Our solutions are tailored to your unique situation, providing you with the best chance of mortgage approval.
Simplified Overview of The Home Buying Process
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Introduction:
Embarking on the journey of buying a home is an exciting and significant step in one's life. To ensure a smooth and successful home buying process, a collaborative effort between a knowledgeable realtor and a proactive loan officer is crucial. In this article, we'll explore the seamless partnership between realtor Tyler Moody and loan officer Ryan Schmid as they guide homebuyers through the various stages of acquiring their dream home.
1. Buyer Consultation with Tyler Moody:
Understanding Your Dream Home:The first step in the home buying process is a comprehensive buyer consultation with Tyler Moody, a seasoned and client-focused realtor. Tyler takes the time to understand the buyer's preferences, needs, and budget. Through this consultation, Tyler gains valuable insights into the buyer's dream home, ensuring a tailored and efficient home search.
2. Creating a Targeted Property List:
Armed with the buyer's preferences, Tyler leverages his expertise to curate a list of homes or properties that align with the buyer's criteria. This curated list streamlines the search process, saving the buyer time and effort.
3. Introduction to Ryan Schmid for Pre-Qualification:
Once the buyer has a refined list of potential homes, Tyler introduces them to Ryan Schmid, a dedicated loan officer. Ryan initiates the pre-qualification process, gathering essential financial information to assess the buyer's eligibility for a mortgage.
4. Pre-Qualification Details with Ryan Schmid:
Ryan diligently reviews the buyer's information, determining their qualification status. If qualified, Ryan provides the buyer with crucial details such as expected interest rates, monthly payments, cash needed for closing, and a pre-qualification letter—a powerful asset when submitting an offer on a home.
5. Home Tours and Offer Submission:
With pre-qualification secured, Tyler takes the buyer on a guided tour of the selected homes. Once the perfect home is identified, Tyler assists the buyer in crafting a compelling offer, leveraging negotiation skills to address various aspects and potentially reduce costs.
6. Negotiations During the Option Period:
Negotiations may continue during the option period, allowing Tyler to advocate for the buyer's best interests. This period is crucial for finalizing details and ensuring that both parties are satisfied with the terms of the contract.
7. Appraisal Assistance by Ryan Schmid:
Once a contract is in place, Ryan steps in to assist with the appraisal process, ensuring that the property's value aligns with the agreed-upon purchase price.
8. Guidance through the Loan Process:
Ryan walks the buyer through the entire loan process, ensuring they are fully informed about the documentation and steps required to close on the home successfully.
9. Insurance Quote and Title Process:
Ryan collaborates with the title company to secure a title and obtain an insurance quote for the buyer, addressing crucial aspects of the home buying process.
10. Clear to Close and Closing Disclosure:
Upon receiving the clear to close, Ryan files the closing disclosure with the title company, providing the buyer with a transparent overview of the financial aspects involved in closing on the home.
11. Final Walkthrough and Closing with Tyler Moody:
Tyler schedules the final walkthrough of the property to ensure everything is in order before the closing. Finally, the buyer, guided by both Tyler and Ryan, closes on their dream home, marking the successful culmination of a well-coordinated and efficient home buying journey.
In conclusion, the collaborative efforts of realtor Tyler Moody and loan officer Ryan Schmid create a dynamic duo that guides homebuyers through each step of the process, turning the dream of homeownership into a reality. Their dedication, expertise, and client-focused approach set the stage for a seamless and rewarding home buying experience.
BOOK TIME WITH RYAN
KNOWLEDGE BASE ARTICLES/NEWS
What To Do If You're Not Approved For a Home Loan During Underwriting
“Just because some lender says you're pre-qualified, you are still a long way from the finish line” - Ryan Schmid
Introduction
Securing a home loan is often one of the most exciting and pivotal moments in the journey to homeownership. But what happens when you're denied during the underwriting process, even after completing seemingly endless paperwork and facing multiple rounds of scrutiny? It can be a frustrating and disheartening experience, but don't lose hope just yet. In this blog post, we will explore the reasons behind home loan denials during the underwriting process and introduce you to Ryan Schmid, a professional who may hold the key to turning your homeownership dream into a reality.
Understanding Home Loan Denials
The underwriting process is a critical phase in securing a home loan, where your financial situation is scrutinized in detail. There are several common reasons why applicants may be denied during this phase:
1. Poor Credit History: One of the primary factors under consideration is your credit score. A low credit score can indicate a higher risk to the lender, making it more challenging to secure a loan.
2. Insufficient Income: Lenders need assurance that you have a steady source of income to repay the loan. If your income is deemed insufficient to cover the mortgage, your application might be denied.
3. High Debt-to-Income Ratio: Your debt-to-income (DTI) ratio measures the percentage of your monthly income that goes toward debt payments. A high DTI ratio can be a red flag, indicating that you might struggle to make mortgage payments.
4. Incomplete Documentation: Failing to provide all the necessary documents and information requested during the underwriting process can lead to a denial.
5. Property Appraisal Issues: Sometimes, the property you intend to purchase might not appraise for the requested loan amount, leading to complications in the approval process.
Turning to Ryan Schmid for Solutions
If you've faced a home loan denial during the underwriting process, despair not. There's help available from professionals like Ryan Schmid, who specialize in assisting individuals in challenging financial situations. Ryan Schmid has a proven track record of helping clients secure home loans when traditional lenders have turned them away. Here's how he can assist you:
1. Tailored Solutions: Ryan understands that every financial situation is unique. He will work with you to develop a tailored plan that addresses your specific challenges and helps you meet the lender's requirements.
2. Credit Repair Assistance: If a low credit score is the primary issue, Ryan can offer guidance on improving your credit profile. By boosting your credit score, you increase your chances of securing a home loan.
3. Alternative Lending Options: Ryan Schmid has access to a wide network of lenders and financial institutions. He can help you explore alternative lending options that may be more accommodating to your situation.
4. Expertise in Complex Cases: If you have a complicated financial history or are self-employed, Ryan Schmid can navigate these complexities and present your application in the best light to potential lenders.
5. Property Appraisal Solutions: If issues with property appraisal were the cause of your denial, Ryan can help you find solutions, such as negotiating with the seller or seeking a second appraisal.
Conclusion
Experiencing a home loan denial during the underwriting process can be a significant setback on the path to homeownership. However, don't let it deter you from your dream. Seeking the assistance of professionals like Ryan Schmid can open up new avenues to secure the loan you need.
Ryan Schmid has the knowledge, experience, and connections to help individuals facing home loan denials. By working with him, you can receive personalized solutions, credit repair guidance, access to alternative lending options, and expert support in overcoming complex financial situations.
So, if you've been denied for a home loan during the underwriting process, don't give up. Contact Ryan Schmid and explore the possibilities that may lead to the keys to your new home. Your dream of homeownership is closer than you think.
TESTIMONIALS
ALEX VARELA
NATIONAL MORTGAGE BANKER
PRIMELENDING
MATTHEW FOUTZ
CREATIVE DIRECTOR
GENERATION GEMS
CHRIS M. WALKER
CEO
LEGIIT
NMLS# 1518608
Company NMLS #222982