Ryan Van Til
Mortgage Advisor | NMLS #2732776
I grew up in SLO, and the Central Coast will always be home. I spent the last six years in San Diego before relocating to Venice Beach. It's been a real privilege to live and work in these places, and I don't think I'll ever get far from the coast.
Mortgages have been the family business for more than thirty years, so I was hearing about deals at the dinner table long before I was doing any of this myself. These days I work with self employed borrowers, business owners and investors throughout California.
In my free time I'm an avid Chargers fan, which has taught me more about patience than anything else in my life. I try to catch a live show whenever there's one worth going to, usually reggae or house music.
Most of the people I work with called me with a question long before they had a loan. If that's where you're at, reach out. No pitch, no pressure. Look forward to connecting.
Specialties
Loan Programs I Specialize In
From first-time buyers to seasoned investors, a full product suite for every scenario.
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My Commitment
What You Can Count On
The biggest complaints in the mortgage industry are poor communication, hidden fees, and missed deadlines. Here's how I hold myself to a higher standard.
Same-Day Responses
Every call, text, and email gets a response the same business day. You'll never feel left in the dark wondering about your loan status.
No Surprises on Fees
Your rate, fees, and closing costs are disclosed upfront on your Loan Estimate. What you see at application is what you'll see at closing.
On-Time Closings
100% on-time closing record. I manage your file proactively through underwriting so nothing stalls or causes last-minute delays.
Submit Docs Once
I use Floify to organize and track every document you upload. You won't be asked for the same pay stub or bank statement twice.
Rate Lock Advice
I'll advise you on when to lock vs. float based on market trends and your close date, not leave you guessing while rates move.
Your Best Interest
With 50+ lenders, I recommend the program that fits your goals, not the one that pays the highest commission. Your trust is worth more.
Service Area
Southern California to the Central Coast
Los Angeles, San Luis Obispo and San Diego are where I work most. Licensed across all of California for everywhere else.
Los Angeles
Purchase, refinance, investment and first-time buyer lending across LA County, including Long Beach, the South Bay and the Westside.
Central Coast
San Luis Obispo, Paso Robles, Arroyo Grande and the whole county. Voted Best Mortgage Company in SLO County two years running.
San Diego
Purchase, refinance and investment lending countywide, from La Jolla to Carlsbad to Chula Vista.
Let's Connect
Book a Call
Tell me what you're trying to do and I'll tell you whether it works. Buying, refinancing or adding a rental, you'll get a straight answer before you fill anything out.
Next Step
Get Pre-Approved
Apply online in under 15 minutes. I'll review your file and issue a pre-approval, typically within 24 hours.