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.
Real Estate
FHA or conventional? Choosing the right mortgage involves more than comparing interest rates. From down payments and credit profiles to mortgage insurance and long-term savings, discover the differences between these popular loan options and what to consider when choosing the right fit for you.
Negotiation
Negotiating your home deal doesn't have to be a battle. Keep your cool, stay positive, and you might actually enjoy the process.
Real Estate
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
Real Estate
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.
DSCR Loans
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.
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Get answers from Ryan
What do you tell people who have the low rates from 5 years ago? Hard to go from 2.5 to 7.5!
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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