“All of my interactions with Ryan have been boisterous and joyful! If you have any questions about real estate, Ryan will give you good numbers and excellent advice!”

— Ross | Zillow

“Ryan and his team did a great job for us. When we wanted to refinance our loft, they found a great product to fit our needs and locked us into the best interest rate. Everything went very smoothly thanks to the teams diligence and efficiency. We definitely recommend them and will use them again as needs arise.”

— martin | zillow

“Ryan assisted me in evaluating my refi options, spending hours with me to ensure my loan was a great fit. He and his team were quick to respond, and they demonstrated a thorough understanding of the lending process from start to finish.”

— client | zillow

“Ryan got me a great interest rate for my condominium and then got me re-financed with even better rate a couple years later. He also helped me handle a different mortgage broker who had badly deceived me when I wanted to buy another property.”

— client | Zillow

“12 years to go on my 15 year so I may not have to work with Ryan again, but you never know. Ryan is a great guide in navigating what is often a challenging and time consuming process. He's great at finding options and the best deal. He also helped me buy my car. You definitely want him on your team!”

“Ryan helped me with my first home loan. Trust me, it wasn't easy but because of his diligence and professionalism he was able help me attain a mortgage. I wanted this home bad and knew that worked very to help attain one. In addition, he is a great person and enjoyable to know. I highly recommend Ryan.if you are for the qualities I mentioned above give Ryan Lugbauer a call!”

— Client | zillow

“Ryan reviewed all relevant rates and fees for my referral client was very patient and hands-on. He locked in a rate lower than even Union Bank! I have 5 more clients that I insisted work directly for their multi-unit purchases. He really helped alleviate all concerns and was available even on weekends to field last-minute calls!”

— jamie | zillow

“Refinancing a mortgage can be a stressful experience. Not with Ryan Lugbauer. Ryan made it an easy online process and kept me updated. I would not hesitate to recommend Ryan to anyone looking to buy a home or refinance.”

— mark | zillow

“Ryan did a great job obtaining financing for a very tough purchase. as a first time buyer, Ryan did a great job making sure that the transaction went as smooth as possible. It was also an FHA loan, which required more details than a regular conventional loan. He communicated with me, and made me feel at ease when the stress of the purchase (buying into a new development) became overwhelming. I would recommend him to anyone who is looking for a true problem solver. I did not have a big Jumbo loan, but he treated me like I was buying a million dollar house.

Thanks Ryan!!”

- Andrew | yelp

“Thank you Ryan for your recent referral of the homeowners on 771 Clausing Ave Novato Ca 94945. You were a tremendous help on this. Your knowledge of lending and the Real Estate exudes through your pores. Im looking forward to sending more business your way!!”

- michael | Yelp

“Ryan is hands down one of the best lenders in the industry. I've worked with Ryan for the past 5-6 years and have nothing but great things to say about him. If you're looking for a loan, look no further, you've found your guy.”

- steve | yelp

“My husband and I used Ryan and his assistant Michael Hamwey to refinance our home. Both of them were extremely professional and attentive. Any questions or problems that came up, they were right on it. I would highly recommend Ryan and would use him again.”

- victoria | yelp

“Ryan helped my husband and I secure a fantastic rate on a 30 year fixed mortgage. He was accessible, friendly and diligent. He made sure we understood each step of what can be a very confusing process. He is honest, hard working and keeps his clients best interest at heart.”

- jessica | yelp

“Ryan has helped a number of my clients obtain a mortgage when financing was difficult to get. Ryan's always been courteous and helpful. I can highly recommend Ryan if you're looking for a mortgage.”

- michael | yelp