Negotiation
The Art of Zen in Real Estate Negotiations
Negotiating your home deal doesn't have to be a battle. Keep your cool, stay positive, and you might actually enjoy the process.
Oct 9, 20264 min read70
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Ryan Guess
@ryanguess
21+ Years of expertise
Senior Loan Officer | NMLS# 70442
Northpointe Bank
Mortgage Loan Officer
855 Ridge Lake Blvd, suite 210Memphis, TN 38120
6Articles
1Answers
About Ryan
Taking the Guesswork out of mortgages since 2005. With over 20 years in the mortgage industry, Ryan Guess has helped more than 2,000 families navigate home financing with experience, communication, and genuine care. His philosophy is simple: do what you say you’re going to do and always put the client first. A proud father of three girls, Ryan’s greatest joy comes from family, lacrosse games, road trips, and exploring America’s National Parks. He’s also passionate about mentorship, building meaningful relationships, and men’s mental health. Whether buying, refinancing, or investing, Ryan is committed to finding solutions and helping clients make confident decisions—while taking the Guesswork out of mortgages.
Ryan's Articles
Real Estate
“But My Credit App Says I’m a 742!” -Why Your Mortgage Credit Score May Tell a Different Story
Your credit score may not be the same number your mortgage lender sees. Learn why scores can differ, what impacts them, how credit affects mortgage rates and costs, why shopping for a mortgage doesn’t destroy your credit, and how new scoring models are changing the mortgage industry for today’s home
Oct 7, 20265 min read473
Real Estate
Everybody’s Freaking Out About Mortgage Rates. Here’s What’s Actually Happening.
Mortgage rates are moving, but the Fed isn’t the only reason. Inflation, jobs, oil, tariffs, global conflicts, and bonds all matter. Instead of obsessing over rates, homebuyers should focus on payment, seller concessions, buydowns, and smart financing strategies that make homeownership possible.
Oct 1, 20266 min read724
DSCR Loans
So You Want to Be a Real Estate Investor? Let’s Talk About the Part Instagram Left Out.
Want to become a real estate investor? Before relying on Instagram and Zillow, understand the numbers. Learn how DSCR loans use rental income, why cash flow matters, and how financing fits into your investment strategy. Whether it’s property one or fifty, start with a plan before the offer.
Sep 28, 20265 min read351
Real Estate
Nobody Taught You How to Buy a House. So Here You Go
A First-Time Homebuyer’s Guide for People Who Have Absolutely No Clue Where to Start
Sep 23, 20267 min read5473
Showing 6 of 6 articles
Questions & Answers
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Casey Wix• 1 weeks agoRe:Everybody’s Freaking Out About Mortgage Rates. Here’s What’s Actually Happening.
What do you tell people who have the low rates from 5 years ago? Hard to go from 2.5 to 7.5!
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I get it—going from a 2.5% mortgage rate to 7% can feel painful. But I always tell people: don’t just compare rates, compare your overall situation. That 2.5% rate is incredibly valuable, and if your current home still works for you, keeping it may make perfect sense. But sometimes life changes. Maybe you need more space, want to downsize, relocate, change school districts, or simply want a home that better fits your family. That’s when we need to look beyond the interest rate. How much equity do you have? What would the new payment actually be? Can we use that equity to lower the loan amount, eliminate other debt, or structure the financing differently? The goal isn’t to convince you to give up a great rate. It’s to look at the entire financial picture and determine whether staying or moving makes the most sense for you.
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Ryan Guess@ryanguessSenior Loan Officer | NMLS# 70442Northpointe Bank
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