Direct Rate · Mortgage Loan Officer
Ryan Richard Neading
Mortgage Loan Officer
NMLS# 191618 | Licensed in CA, CO, FL, GA, IN, NC, TN, TX & VA | Serving FL, TX, CA & CO
"If there is a will there is a way — and if there is a way, we WILL find it."
About Ryan Neading
Helping homebuyers and real estate pros achieve their goals with 22+ years of mortgage expertise. 🏡 Specialist in VA & FHA loans, personalized financing solutions, and on-time closings. Passionate about delivering exceptional service and weekly updates to keep everyone in the loop. 🎯 Proudly ranked in the top 25% of loan officers nationwide with thousands of families served. Let's make your homeownership dreams a reality.
I first got into mortgages to help veterans save money on their homes through refinancing. I stayed in mortgages because I saw the value in providing great service and care for people who want to own their own home. I have grown in this industry and love helping find solutions where others can't.
When I meet a prospective client I take the time to understand their situation and identify their needs and wants. Through active listening I help them pinpoint these items. Then I go find the product that best fulfills that need and/or want.
Based in Reminderville, OH, Ryan has a wife, two sons, and two cats. Outside of work he enjoys boating, fishing, sporting events, golf, and spending time with family.
The most common worry Ryan hears: "I don't think I'll qualify."
I empathize and reassure them that I will help them through and find a way. I love puzzles — and I'm great at solving them.
Credentials & Licenses
Who I Serve
Loan Options I Originate
From first-time buyers and veterans to investors and the self-employed — here are the products Ryan works with most.
Conventional
Flexible options for buyers with strong credit and documented income, with competitive rates and fast underwriting.
FHA
Low down payment options and flexible qualifying for first-time buyers and growing families.
VA
Zero down payment loans for eligible veterans and active-duty servicemembers. No PMI and flexible qualification standards.
DSCR / Investor Loans
Qualify on rental income, not personal income — ideal for investors building or expanding a portfolio.
Bank Statement Loans
Bank statement qualification for self-employed borrowers whose tax returns don't reflect their true cash flow.
Refinance (Rate/Term & Cash-Out)
Lower your payment or shorten your term, or tap your equity for improvements, consolidation, or investment.
Why Work With Ryan
Solutions Where Others Can't
Ryan loves finding a way when other lenders say no — pinpointing the product that fits your real situation.
Years of Expertise
More than two decades originating loans, ranked in the top 25% of loan officers nationwide.
Fast, Responsive Communication
Replies by phone, email, or text — typically within 10–15 minutes, including nights and weekends.
Weekly Updates
Keeps homebuyers and real estate partners in the loop every step of the way.
What Clients Say
"Ryan not only made the process seamless (which was no small feat given our credit history, school loans, etc) but the whole process took about 3 weeks (vs. my last refinance with a big bank that took 3 months). He returned every call promptly and always had an answer for us. It was an exceptional experience and I will be recommending Ryan to anyone who asks."
"I have worked with Ryan on multiple properties in multiple states and will never use anyone else again. He is reliable and responsive. He makes sure that I understand the process and helps me make informed decisions. He was able to get me a loan when other lenders laughed at the idea of me buying a home. He told me when a house was out of my budget and assured me that others were within reach when I was getting cold feet."
"Ryan and his team were absolutely a God send! They made my son and my dream of purchasing our new home come true! He and his team are now a permanent part of our family!!!"
Get In Touch
Call, text, email, or start your application online — Ryan is available nights and weekends and typically responds within 10–15 minutes.
Let's Make Your Homeownership Dreams A Reality.
"If there is a will there is a way — and if there is a way, we WILL find it."