pexels-photo-271816.jpg

I'll work for you, not the banks.

YOUR PRE-APPROVAL APPLICATION IS THE FIRST STEP ON THE ROAD TO CLOSING ON YOUR DREAM HOME.

I make it my first priority to be in contact with you at every step from pre-approval guidance to post-closure refinancing advice. Working with me and my team will bring clarity and confidence to your home buying experience. Click below to register for your free ProMortgage account and start your application today.

 

FIRST TIME HOME BUYERS

I’m a native San Franciscan with an intimate knowledge of the local real estate and mortgage banking markets, at your full disposal. Leveraging my experience, I can empower you to confidently make the best decisions and will offer you transparency around what to expect during the home buying process. Learn More >>>

INVESTMENT & REFINANCE OPPORTUNITIES

My access to a variety of investor and loan programs has allowed me to maximize my clients’ savings using strategy, expertise, and a collection of creative resources. Whether you're looking to invest, or to refinance, you can be sure we’ll get you locked into the best possible rates in the market. Learn More >>>

REALTORS

Having a reputable broker in your professional tool belt will ensure that even the most unique situations can be accommodated and executed with confidence. Apart from securing client’s loans, my ultimate goal is to be your accessible and transparent source of reliable information. Contact Me >>>

 
Ryan Lugbauer.jpg

Meet Your Mortgage Originator

On top of all of his professional capabilities, Ryan is genuine and friendly. He not only wants his clients to get the best loan they can, he wants them to be happy.

 
ryan-lugbauer-san-francisco.jpg

Let’s Get Started

Your pre-approval application is the first step on the road to closing on your dream home. Ready to go or have questions? Let’s talk today.

Should you buy or rent?

Deciding between buying or renting your next home? I can help.

 

RESOURCES & INFORMATION

 

Contact Ryan

architecture-attraction-bay-356857.jpg