Richard James Ryan, Mortgage Loan Officer

Richard James Ryan is a licensed mortgage loan originator and U.S. Army Veteran who brings discipline, clarity, and transparent pricing to the mortgage process. He is known for his straightforward communication style and his commitment to providing borrowers with honest, upfront costs and a loan experience free of surprises.

Richard holds advanced professional credentials including EA, CFP®, MPAS®, MS in Personal Financial Planning, TEP, and CTFA. His background in military intelligence, regulatory compliance, and complex financial planning enables him to explain mortgage strategy with precision and calm, especially for borrowers navigating unique financial situations.

Richard focuses his mortgage practice on serving military members, Veterans, self‑employed borrowers, and clients who value clear guidance and transparent pricing. As a Veteran himself, he understands the importance of trust, integrity, and mission‑focused execution — principles that guide every loan he originates. His practice is fully virtual, efficient, and designed to respect the borrower’s time while delivering a smooth, predictable mortgage experience.