Your Home Loan,
Simplified.
From your first home to your next investment property, with direct access to 50+ lenders and programs most banks can't offer.
$0M+
Volume Closed
0+
Loans Funded
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Lenders
My Promise
What You Should Expect From Your Loan Officer
The most common mortgage complaints are poor communication, surprise fees, and missed deadlines. Here's how I do things differently.
Same-Day Communication
Every call, text, and email gets a response the same business day. You'll never wonder where your loan stands or feel like you're being ghosted. Proactive updates at every milestone.
Full Transparency
Your rate, fees, and closing costs are locked and disclosed upfront — no bait and switch. Check your loan status online 24/7 with real-time progress, conditions, and next steps.
On-Time, Every Time
100% on-time closing record. I manage your file proactively so nothing falls through the cracks — no missed deadlines, no last-minute surprises, no scrambling.
Upload Once
Organized document collection — you won't be asked for the same thing twice.
Rate Lock Guidance
I'll advise on when to lock vs. float based on market conditions and your timeline.
Your Interest First
I recommend the loan that fits your goals, not the one that pays the highest commission.
50+ Lenders
Wholesale access means competitive pricing — better than what most banks can offer.
Your goals drive the strategy. The right loan follows.
Homes across San Diego, San Luis Obispo, and all of California.
Solutions
Loan Programs for Every Situation
Whether you're buying, refinancing, or investing, there's a program built for you.
The Process
Four Steps to Closing
A clear, streamlined path from your first conversation to closing day.
Apply Online
Complete a quick application through our secure portal. Upload all your documents once — organized and tracked so nothing gets lost or re-requested.
Get Pre-Approved
I'll review your file, pull credit, and issue a pre-approval letter within 24 hours. All fees and terms disclosed upfront — no surprises later.
Lock & Process
I'll advise on the right time to lock your rate based on market conditions and your close date. Then I manage underwriting proactively so nothing stalls.
Close & Fund
100% on-time closing record. You'll know every step before it happens, and I'm a call away before, during, and after closing.
No ghosting. No surprises. Closing on time, every time.
Track Record
Built on Results
$0M+
Total Volume Closed
Oct 2025 – Present
0+
Loans Funded
Across all products
0%
On-Time Closings
No missed deadlines, no excuses
Testimonials
What Clients Say
Ryan made our home purchase completely stress-free. He was always available, walked us through every step, and locked in a rate lower than we expected. We'd recommend him to anyone.
Jennifer V.
Purchase, Conventional
I was new to investment properties and had a ton of questions about DSCR loans. Ryan was patient, broke everything down clearly, and got my loan closed in under three weeks.
Daniel R.
Refinance, DSCR
Two other lenders told me I wouldn't qualify because I'm self-employed. Ryan found a bank statement program that worked perfectly for my situation and got it done fast.
Nick B.
Refinance, Bank Statement
Where I Work
Licensed Across California
Based in San Diego with deep roots in San Luis Obispo, serving buyers, homeowners, and investors statewide.
San Diego
Home base in America's Finest City. Purchase, refi, and investment loans across San Diego County.
Central Coast
Local expertise for SLO County buyers and homeowners. This is where I grew up.
All of California
Licensed statewide with access to every major loan program. Wherever you're buying, I can help.
FAQ
Common Questions
How long does the mortgage process take?
Most loans close in 21–30 days from the time we go into contract or start a refinance. Pre-approvals are typically issued within 24 hours. I manage your file proactively so nothing stalls or causes delays.
How will I know what's happening with my loan?
You'll get proactive updates at every milestone — not just when you ask. Plus you can check your loan status online 24/7 to see your current stage, next steps, and any outstanding items. No waiting for callbacks.
Will my rate or fees change before closing?
Once we lock your rate and you sign your Loan Estimate, those numbers are locked. I disclose all fees upfront so there are no surprises at the closing table. What you see on your LE is what you'll see on your CD.
Will I have to submit the same documents multiple times?
No. I use a secure digital platform (Floify) that organizes everything you upload. Your documents are tracked and stored properly — you submit each item once, and I handle the rest.
When should I lock my rate?
I'll advise you based on current market conditions, rate trends, and your specific close date. I won't leave you guessing — we'll discuss the lock/float decision together so you get the best possible outcome.
Do you charge any upfront fees?
No. There are no upfront costs to get pre-approved or to start working together. Lender fees are only due at closing and are fully disclosed before you commit.
Can I get a loan if I'm self-employed?
Absolutely. Bank statement programs let you qualify using 12–24 months of deposits instead of tax returns. DSCR loans for investment properties don't require income verification at all.
How do I know you're recommending the right loan for me?
With access to 50+ wholesale lenders, I'm not limited to one bank's products. I compare options across the market and recommend the program that fits your goals and finances — not the one that pays the highest commission.
Resources
From the Blog
Practical mortgage insights to help you make informed decisions.
About
Meet Your Mortgage Advisor
I grew up in the mortgage industry — my family has been in lending for over 25 years, so this stuff is second nature. As a Mortgage Advisor with Pacific Trust Mortgage, I have access to 50+ wholesale lenders and a full range of loan programs, from conventional to investor DSCR, bank statement, and other options that big banks just don't touch.
My approach is built on personalized strategy, not just rate quoting. Every borrower's situation is unique, and I work to structure financing that supports your long-term goals, whether that's buying your first home, tapping into equity, or scaling a real estate portfolio.
San Diego
Central Coast
Ryan Van Til
Mortgage Advisor · NMLS #02336853
Programs Available Through
Ready to Get Started?
Start your application in under 15 minutes, or call me directly. Happy to answer any questions first.