I was referred to Ryan to refinance my home over 7 years ago and I was so impressed by his friendly and helpful personality that the whole refinance experience was amazing! Since that time, Ryan has remained in contact with me through monthly updates on my home's value, money saving tips and even recipes and Christmas cards! I feel like he has become part of my family! So it was easy to return to Ryan this year to talk about refinancing again when I learned that interest rates were low. I was thrilled that he was able to help me eliminate 3 years off of my loan but kept me at the same low interest rate that I had before! He also helped me work out a home equity loan in the process so that I can finally build the big family room I've been dreaming of! Ryan is absolutely amazing! He's a no pressure, knowledgeable business man who goes way beyond the extra mile for his customers! I would refinance my home with him again in a heartbeat! read more

Ryan was recommended to my wife and I a few years ago when we were purchasing our home. He was awesome and helped us tremendously. Since then he has been our sole goto guy through a refinance, a new home purchase and then another refinance. Each time he got us the best rate and saved us time and money. I always say we have the best Home mortgage company we work with and especially the man who always makes sure we are taken care of. Even recently he contacted us a few months ago to see if we wanted a check up on our mortgage before rates and the economy plummeted. We looked into it and got a better rate and came out ahead again! We were also set up for a great rate when the rest of the nation was scrambling for what Ryan had already set us up for! I just have to say "Thanks! Ryan Harding. read more

Ryan and his team provided the mortgage when we bought our home 3 years ago. I worked in the mortgage industry for many years and had very high expectations. I am happy to say, that Ryan and his team, surpassed them all. I was informed every step of the way and Ryan was always available when I called. Since our purchase, Ryan has helped us with 2, no cost, streamline refinances, as lower interest rates became available. We are 100% thrilled with their service and recommended them highly to anyone looking to purchase or refinance. read more

Ryan and his team helped us close on our first house. Even though we are not in UT, I wanted Ryan to handle our mortgage because I know he's a person I can trust. We ran into a lot of hurdles with new jobs and school, but Ryan and his team helped us overcome them one by one. He's patient, professional and so quick to respond. He went above and beyond to help us and make it work when at times it seemed it wouldn't work. He always had our best interest in mind. I would come back to him again for our future houses! read more

We went to Ryan about a year ago with with some things that we wanted to do, and even though we weren't prepared at that time, he gave us a list of what we needed to do to achieve our goals. Once we were able to do the things that he had recommended, we were able to finance not just one, but two properties. Ryan and his team were incredible to work with and went far above and beyond what we had expected. We are so incredibly grateful to have found Ryan and to have been able to work with him and his team. read more

If you are looking to buy for the first time or refinance your existing mortgage, look no further than Ryan and his team. They are wonderful and will treat you professionally and work with you to find a great rate and payment that's right for you. They never pressured me and walked me through all of the steps. I couldn't believe their commitment to the details. I hope to never refinance because of the great rate I got, but if I ever buy a house again, or refinance, it will be with them for sure. read more

This is our second time in about 2 years using Ryan as our expert guide to qualify for a home loan and to purchase a home. He helped us go from a condo to a home we hope to stay in for many years to come. Ryan was knowledgeable, personal, and professional. Buying a home can be an overwhelming experience, but Ryan made it exciting and simple. He was there to help us with every detail and every question. I recommend his professional help to everyone I know that needs a mortgage banker. read more

I had looked into interest rates for refinancing at a few banks and wasn't impressed. I was tired of shopping around and was referred to Ryan by a friend. I decided it couldn't hurt to give him a call and see what he could do. One day later we had locked an incredible interest rate and closed within a month. It was so quick and easy! Ryan and everyone on his team is so helpful and responsive. Thank you Ryan Harding, Mortgage Banker!!! read more

Ryan and his team were so easy to work with. They are very friendly, informative, and happy to help with any thing. They get things done in a very prompt manner and made the refinancing process seem easy! We had to bring our young kids with us when we went to sign the final papers. The team was so good with them and helped us keep our kids happy! I will definitely be recommending Work Harding to my friends and family. read more

We are returning customers, this is the second time we use Ryan for our home refinance needs, him and his team are excellent, great communication, no delays and a very easy process from start to finish, they answered all my questions in a courteous and professional manner. I am very pleased with the way they serviced our loan, not sure if we will ever refinance or buy a new home but if we do, we will surely come to him. read more

Ryan and his team were very easy to work with. They are great at answering questions and replying in a timely manner when you have questions. I felt in the loop the whole time and had the right amount of communication. I even went on vacation the week I closed and they worked to get me the paperwork in another state so I could still close on time. I have no complaints with my experience. read more

Ryan Harding is knowledgeable and was able to save us literally thousands on our refi. He matched AND beat a competitor offer, and was quick with all the paperwork and underwriting. He even included a thank you gift for us at closing. We appreciate his honesty and have used his help several other times. He is always has the best rate and terms. Thanks Ryan! read more

Ryan & his team helped us buy our first home. Now they recently helped with a refinance too! The refinance was 10x easier than I expected because they had some very good systems in place that kept my previously supplied info. They are responsive, professional, and honest people. I've used them twice, and plan on working together more in the future! read more

Ryan, is wonderful to work with. He's so friendly. I've done 3 mortgages/Refi's with him & each time I've been happy to work with him. He & his team offer great rates & superb service. I hardly did much on my end. It went so seamlessly. My brother recommended him & he & my sister have also processed mortgages with him. Always so kind to work with! read more

Ryan and his team were easily one of the best parts of our moving experience. His expertise and professionalism made getting a loan one of the least stressful experiences we've had. They had wonderful communication skills and kept us up to date on every single part of the process. We would happily and willingly go with them again. read more

We recently refinanced our house with Ryan and his team. We have completed several loans with other brokers in the past, and this was definitely the most efficient and responsive team we've ever worked with. We closed much earlier than expected, even with the chaos of the pandemic. We will definitely be using him in the future. read more

Ryan is a miracle worker!! We were on a tight schedule and wanted to be able to close as soon as possible and he and his team were so fast and made it all possible! They are SO quick to respond and help anytime and will do everything possible to get you the best rate out there! Seriously AMAZING to work with. Look no further! read more

I have to tell you that this is our third time refinancing with Ryan and we couldn't be more pleased. He and his team are efficient and fast and getting things processed. Plus our closing costs were phenomenal. Most importantly, he's been so kind and answered all of our newb questions. We won't go anywhere else. read more

Ryan is the best!!! He answers all your questions quickly in a very clear way unlike other people!! I had the hardest time getting something I needed to provide and he offered to go the extra mile and get it for me!! Its impossible to beat Ryan Harding!!!! Thank you Ryan for everything!!! Melanie Gray read more