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    Ryan J. Speltz

    @ryanjspeltz

    11+ Years of expertise

    Mortgage Broker/Owner

    Creative 1st Mortgage, LLC

    Mortgage Loan Officer

    447 3rd Ave N #210St. Petersburg, FL 33701
    4Articles

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    About Ryan

    As the co-owner of Creative 1st Mortgage, I've dedicated my career to helping individuals and families achieve their financial dreams. Based in St. Petersburg, FL, I've spent over a decade serving my community through personalized guidance and creative loan solutions. Family and community are at the heart of everything I do, and I'm passionate about using my expertise to make a positive impact.

    Creative 1st Mortgage, LLC
    Mortgage Broker/Owner
    Website
    creative1stmortgage.com
    Member since
    July 2026

    Ryan's Articles

    How Real Estate Agents Can Get Found in AI Search

    Real Estate

    How Real Estate Agents Can Get Found in AI Search

    AI search is becoming another place where buyers and sellers research real estate professionals. Getting found starts with clarity, consistency, useful content, local relevance, and proof that supports what you say you do.

    Aug 27, 2026·15 min read·120
    Real Estate
    Digital Marketing
    The 10-Year Treasury Is Coming Down. What Treasury’s Bigger Buyback Program Could Mean for Mortgage Rates

    Real Estate

    The 10-Year Treasury Is Coming Down. What Treasury’s Bigger Buyback Program Could Mean for Mortgage Rates

    The U.S. Treasury just announced plans to at least double buybacks of longer-term Treasury debt. Here’s why the 10-year Treasury yield fell, how Treasury buybacks work, and what the move could mean for mortgage rates and homebuyers.

    Aug 20, 2026·9 min read·120
    Real Estate
    Mortgage Rates
    Creative Mortgages for Underserved Florida Homebuyers

    Real Estate

    Creative Mortgages for Underserved Florida Homebuyers

    Traditional lenders often overlook self-employed and first-time buyers. Discover how Ryan Speltz finds creative mortgage solutions for non-traditional…

    Jul 31, 2026·9 min read·60
    Real Estate
    Mortgage Broker
    Why I Built Creative 1st Mortgage for St. Pete Homeowners

    St. Petersburg

    Why I Built Creative 1st Mortgage for St. Pete Homeowners

    St. Petersburg's 2026 housing market requires more than just a loan officer. Here's why I launched Creative 1st Mortgage to provide local, unconventional…

    Jul 27, 2026·10 min read·91
    St. Petersburg
    Mortgage Brokering

    Showing 4 of 4 articles

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