Ryan Gelardi helped my wife and I purchase our first home in 2011 and secured a great rate. He was able to quickly pre approve us and effectively secured and processed the loan within the 30 day escrow period. He is very knowledgeable of the market and his products. He also has great connections within the industry and referred us to our Realtor.
5 months after purchasing Ryan helped us re-finance our mortgage to lower the interest rate, and then another year later helped us re-finance again to get out of our PMI payments. Within 2 years of purchasing our house and 2 re-finances later, we had reduced our monthly payments by $500 thanks to Ryan! I often hear folks say they don't want to refinance because it's too much work, but Ryan made both the purchasing and refinancing a breeze.
I highly recommend Ryan and look forward to working with him again on our next real estate purchase.
Ryan is amazing... Seriously. I have done a couple loans through him and I cant imagine ever finding anyone quicker, more knowledgeable, or professional.
Lets cut to the quick: We initially bought our house in June of 2010. It was a short sale and the sellers bank gave us 17 days to close our loan or they were going to foreclose. Ryan was able to do a full doc, FHA, short sale in less than that... With a SMOKING rate. Unheard of. Did I mention it was really EASY?
And on to the knowledgeable: Ryan reached out to us when a couple opportunities came up to reduce our rate and get rid of our PMI. So Ryan helped us through a couple refis. Since buying the house initially we were able to reduce the cost of our mortgage by $500 per month. Keep in mind we started with a smoking rate, but we also bought at a great time. Getting rid of that garbage PMI in under 2 years was amazing!!! (Thanks again Ryan) Our refis were done within a week or two (no joke). Again the process was too easy.
Lastly, the professional: I was referred to Ryan after I reached out to several other loan officers and had yet to receive a call back. The first time I spoke with him he was at the airport returning from a family vacation... Can you find a loan officer to pick up the phone let alone while on vacation? That will NEVER happen. Then around the time my loan was closing he was returning my calls from the hospital while his wife was having their second baby... True story.
I have referred tons of friends and family to him, after they hear about my rates and how I was able to get rid of my PMI in under 2 years. A friend of mine was able to save a ton of money with a better interest rate through Ryan. And she said the same exact thing: Way too easy, under 2 weeks, I love this guy.
Ryan was very helpful and knowledgeable with the VA lending process. He helped us get a great VA loan in a market that is always changing. We appreciated his attention to our needs and helping us get the best possible VA loan.
Five Star service and results by Ryan all the way around! My husband was deployed for much of the process and we have a small child, so it was important that we utilized a good VA lender that would provide a little extra hand-holding. Well, Ryan fit the bill and then some! Not only was Ryan’s deal several thousand dollars better than the competition (USAA and Navy Federal), but his service and availability were unbelievable – I wouldn't have had time to run paperwork to and from a bank, but I didn't have to Ryan (and his Notary) came to me every time! By the other reviews on here, it looks like Ryan and his team can do it all, but I can personally attest to their expertise on VA loans and the associated process.
I recently purchased a home in San Diego while I was living in the Bay Area. I was given the name of Ryan Gelardi as a very talented and creative lender. I trusted my realtor and I was super impressed with him. He constantly communicated with me and made sure my documentation was prepared for the purchase of my new home. We closed on the house ten days early! That is service! Ryan is trustworthy and a very competent lender. I had never met him until after the closing but we constantly communicated by phone and e-mail. Again, he was attentive to me as a buyer and I felt confident and at easy with him. If you feel you may not qualify for a loan I would contact Ryan. He is an expert at creative financing and he does it on the up and up. No gimmicks with him. He is a true professional and follows the ethics of his practice. I highly recommend him as a lender if you are considering purchasing a new home in the San Diego area.
I am writing this review as a positive reference for Mr. Ryan Gelardi. My husband and I were to referred to Mr. Gelardi when we were considering refinancing the loan on our house in the Fall of 2012. Neither my husband nor myself consider ourselves to be knowledgeable or well informing regarding loan options, interest rates etc.., so we needed a loan officer who would be willing to take the time necessary to ensure that we were making well informed and financially sound decisions regarding the refinancing our mortgage. Ten years ago we refinanced the loan on our first home. Suffice it to say that it did not go well and we learned a $9,000 lesson when we sold the house. We were reticent to try to refinance our current loan and unsure about whom we could trust.
During the entire re-fi process with Mr. Gelardi, he was knowledgeable, pro-active, thorough, reassuring, available for questions and concerns and 100% professional. We were amazed at how quickly and efficiently he was able to move things along. Mr. Gelardi gives you his complete and undivided attention and works to provide the very best options for his clients. My Husband and I have complete trust in Ryan Gelardi and would highly recommend him to anyone looking to refinance a current mortgage.
Ryan is the best in the business. Ryan helped us to purchase our first home. We were married in March 2013, we thought it would take months maybe even a year to get our home, but we moved in to our dream home June 2013. Ryan proved his expertise when he was able to fund and close our loan within 45 days on a Bank Owned Property. We have recommended him to our friends and family. Ryan never disappoints. No matter your financing need Ryan is your loan guy!
Ryan came highly recommended by our Realtor, but we were still slightly cautious. We always have been cautious people when it comes to our finances. However, after meeting with Ryan for the first time, we were completely at ease with his professionalism and caring demeanor! We realized immediately why Ryan has Realtors recommending him to their clients. Supporting our initial impression, the loan went great. In fact, we actually had a unique situation. By the traditional guidelines for lenders, they would not allow us to count my regular income because I was on maternity leave. As you can imagine, I was in a panic. Ryan kept me focused and calm and spent 2 days calling various underwriters until he found one that facilitated a viable work-around solution. Frankly, if it were not for Ryan, we probably would have given up after the first few lenders balked at our scenario. Now we have our dream home and we are so greatful! Ryan, you are amazing!! We highly recommend him! Thank you!
Closed purchase loan. Clairemont Mesa West, San Diego, CA
In a nutshell, here is what is great about Ryan; he will always give you the most competitive rate by shopping your loan out to multiple mortgage companies, what he quotes you up front is the deal you are going to get (no surprises or hidden fees), he is extremely trustworthy and responsive to your requests, he is very up front with you if there are any potential hurtles you may have to jump through during the process and he is fantastic to work with.
I've had the pleasure of completing THREE separate loans with Ryan over the past 3 years. Each loan had several difficult requirements I had to fulfill throughout the process and Ryan went over and beyond in order to save me money and get my loan(s) through.
I have been so impressed by his process and professionalism that I have recommended half a dozen family members and friends to Ryan. If you don't go with Ryan, there is a good chance that you're paying too much for someone that isn't as good.